Graves County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.6 times the county's median home value of $147,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $50,772 (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) | $147,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.63× |
| Median household income | $50,772 |
| Median home value ÷ income | 2.9× |
| Population | 36,630 |
| Median property tax paid (owners) | $970 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 76.1% |
| Home value rank in Kentucky | 61 of 120 counties |
| Neighbor: Calloway County, KY | limit $832,750; median home $183,200 |
| Neighbor: Carlisle County, KY | limit $832,750; median home $120,400 |
| Neighbor: Hickman County, KY | limit $832,750; median home $115,700 |
| Neighbor: Mccracken County, KY | limit $832,750; median home $188,100 |
| Neighbor: Marshall County, KY | limit $832,750; median home $173,800 |
| Neighbor: Henry County, TN | limit $832,750; median home $160,200 |
| Neighbor: Weakley County, TN | limit $832,750; median home $151,200 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Graves County's median home value is 28% below the state median of $205,600 (rank 61 of 120). Among its 7 neighboring counties, Mccracken County has the highest median home value ($188,100) and Hickman County the lowest ($115,700); all share the same loan limit. Owners pay a median $970 a year in property tax, an effective rate of about 0.66% 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: Grant Parish, LA
- 2026 conforming loan limit: Granville County, NC
- 2026 conforming loan limit: Gratiot County, MI
- 2026 conforming loan limit: Gray County, KS
- 2026 conforming loan limit: Gray County, TX
- 2026 conforming loan limit: Grays Harbor County, WA
- 2026 conforming loan limit: Grayson County, KY
- 2026 conforming loan limit: Grayson County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.