Gallatin County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 4.7 times the county's median home value of $178,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,346 (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) | $178,200 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 4.67× |
| Median household income | $63,346 |
| Median home value ÷ income | 2.8× |
| Population | 8,769 |
| Median property tax paid (owners) | $1,476 |
| Effective property tax rate (approx.) | 0.83% |
| Owner-occupied homes | 75.1% |
| Home value rank in Kentucky | 37 of 120 counties |
| Neighbor: Switzerland County, IN | limit $832,750; median home $175,800 |
| Neighbor: Boone County, KY | limit $832,750; median home $277,300 |
| Neighbor: Carroll County, KY | limit $832,750; median home $140,900 |
| Neighbor: Grant County, KY | limit $832,750; median home $209,500 |
| Neighbor: Owen County, KY | limit $832,750; median home $168,700 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Gallatin County's median home value is 13% below the state median of $205,600 (rank 37 of 120). Among its 5 neighboring counties, Boone County has the highest median home value ($277,300) and Carroll County the lowest ($140,900); all share the same loan limit. Owners pay a median $1,476 a year in property tax, an effective rate of about 0.83% 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: Gaines County, TX
- 2026 conforming loan limit: Galax City, VA
- 2026 conforming loan limit: Gallatin County, IL
- 2026 conforming loan limit: Gallatin County, MT
- 2026 conforming loan limit: Gallia County, OH
- 2026 conforming loan limit: Galveston County, TX
- 2026 conforming loan limit: Garden County, NE
- 2026 conforming loan limit: Garfield County, CO
Last updated 2026-10-16. Data only, not financial or tax advice.