Hardin County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $225,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $67,647 (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) | $225,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 3.69× |
| Median household income | $67,647 |
| Median home value ÷ income | 3.3× |
| Population | 111,942 |
| Median property tax paid (owners) | $1,480 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 62.6% |
| Home value rank in Kentucky | 18 of 120 counties |
| Neighbor: Harrison County, IN | limit $832,750; median home $229,600 |
| Neighbor: Breckinridge County, KY | limit $832,750; median home $156,700 |
| Neighbor: Bullitt County, KY | limit $832,750; median home $247,200 |
| Neighbor: Grayson County, KY | limit $832,750; median home $164,600 |
| Neighbor: Hart County, KY | limit $832,750; median home $146,000 |
| Neighbor: Jefferson County, KY | limit $832,750; median home $248,400 |
| Neighbor: Larue County, KY | limit $832,750; median home $183,500 |
| Neighbor: Meade County, KY | limit $832,750; median home $207,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hardin County's median home value is 10% above the state median of $205,600 (rank 18 of 120). Among its 8 neighboring counties, Jefferson County has the highest median home value ($248,400) and Hart County the lowest ($146,000); all share the same loan limit. Owners pay a median $1,480 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: Hardeman County, TX
- 2026 conforming loan limit: Hardin County, IA
- 2026 conforming loan limit: Hardin County, IL
- 2026 conforming loan limit: Hardin County, OH
- 2026 conforming loan limit: Hardin County, TN
- 2026 conforming loan limit: Hardin County, TX
- 2026 conforming loan limit: Harding County, NM
- 2026 conforming loan limit: Harding County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.