Floyd County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 8.4 times the county's median home value of $98,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $41,279 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $98,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 8.44× |
| Median household income | $41,279 |
| Median home value ÷ income | 2.4× |
| Population | 35,224 |
| Median property tax paid (owners) | $748 |
| Effective property tax rate (approx.) | 0.76% |
| Owner-occupied homes | 72.2% |
| Home value rank in Kentucky | 104 of 120 counties |
| Neighbor: Johnson County, KY | limit $832,750; median home $120,200 |
| Neighbor: Knott County, KY | limit $832,750; median home $77,000 |
| Neighbor: Magoffin County, KY | limit $832,750; median home $89,000 |
| Neighbor: Martin County, KY | limit $832,750; median home $86,900 |
| Neighbor: Pike County, KY | limit $832,750; median home $112,000 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Floyd County's median home value is 52% below the state median of $205,600 (rank 104 of 120). Among its 5 neighboring counties, Johnson County has the highest median home value ($120,200) and Knott County the lowest ($77,000); all share the same loan limit. Owners pay a median $748 a year in property tax, an effective rate of about 0.76% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Floyd County, GA
- 2026 conforming loan limit: Floyd County, IA
- 2026 conforming loan limit: Floyd County, IN
- 2026 conforming loan limit: Floyd County, TX
- 2026 conforming loan limit: Floyd County, VA
- 2026 conforming loan limit: Fluvanna County, VA
- 2026 conforming loan limit: Foard County, TX
- 2026 conforming loan limit: Fond Du Lac County, WI
Last updated 2026-10-16. Data only, not financial or tax advice.