Garrard County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 4.1 times the county's median home value of $204,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,087 (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) | $204,900 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 4.06× |
| Median household income | $63,087 |
| Median home value ÷ income | 3.2× |
| Population | 17,568 |
| Median property tax paid (owners) | $1,422 |
| Effective property tax rate (approx.) | 0.69% |
| Owner-occupied homes | 79.9% |
| Home value rank in Kentucky | 26 of 120 counties |
| Neighbor: Boyle County, KY | limit $832,750; median home $209,900 |
| Neighbor: Jessamine County, KY | limit $832,750; median home $268,100 |
| Neighbor: Lincoln County, KY | limit $832,750; median home $147,300 |
| Neighbor: Madison County, KY | limit $832,750; median home $232,000 |
| Neighbor: Mercer County, KY | limit $832,750; median home $202,300 |
| Neighbor: Rockcastle County, KY | limit $832,750; median home $123,600 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Garrard County's median home value is 0% below the state median of $205,600 (rank 26 of 120). Among its 6 neighboring counties, Jessamine County has the highest median home value ($268,100) and Rockcastle County the lowest ($123,600); all share the same loan limit. Owners pay a median $1,422 a year in property tax, an effective rate of about 0.69% 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: Garfield County, UT
- 2026 conforming loan limit: Garfield County, WA
- 2026 conforming loan limit: Garland County, AR
- 2026 conforming loan limit: Garrett County, MD
- 2026 conforming loan limit: Garvin County, OK
- 2026 conforming loan limit: Garza County, TX
- 2026 conforming loan limit: Gasconade County, MO
- 2026 conforming loan limit: Gaston County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.