Hart County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.7 times the county's median home value of $146,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $52,285 (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) | $146,000 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.70× |
| Median household income | $52,285 |
| Median home value ÷ income | 2.8× |
| Population | 19,603 |
| Median property tax paid (owners) | $965 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 72.4% |
| Home value rank in Kentucky | 63 of 120 counties |
| Neighbor: Barren County, KY | limit $832,750; median home $178,000 |
| Neighbor: Edmonson County, KY | limit $832,750; median home $160,300 |
| Neighbor: Grayson County, KY | limit $832,750; median home $164,600 |
| Neighbor: Green County, KY | limit $832,750; median home $125,000 |
| Neighbor: Hardin County, KY | limit $832,750; median home $225,800 |
| Neighbor: Larue County, KY | limit $832,750; median home $183,500 |
| Neighbor: Metcalfe County, KY | limit $832,750; median home $110,200 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hart County's median home value is 29% below the state median of $205,600 (rank 63 of 120). Among its 7 neighboring counties, Hardin County has the highest median home value ($225,800) and Metcalfe County the lowest ($110,200); all share the same loan limit. Owners pay a median $965 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: Harrison County, WV
- 2026 conforming loan limit: Harrisonburg City, VA
- 2026 conforming loan limit: Hart County, GA
- 2026 conforming loan limit: Hartley County, TX
- 2026 conforming loan limit: Harvey County, KS
- 2026 conforming loan limit: Haskell County, KS
- 2026 conforming loan limit: Haskell County, OK
- 2026 conforming loan limit: Haskell County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.