Jefferson County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 3.4 times the county's median home value of $248,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,866 (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) | $248,400 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 3.35× |
| Median household income | $69,866 |
| Median home value ÷ income | 3.6× |
| Population | 783,022 |
| Median property tax paid (owners) | $2,136 |
| Effective property tax rate (approx.) | 0.86% |
| Owner-occupied homes | 62.1% |
| Home value rank in Kentucky | 11 of 120 counties |
| Neighbor: Clark County, IN | limit $832,750; median home $222,900 |
| Neighbor: Floyd County, IN | limit $832,750; median home $251,000 |
| Neighbor: Harrison County, IN | limit $832,750; median home $229,600 |
| Neighbor: Bullitt County, KY | limit $832,750; median home $247,200 |
| Neighbor: Hardin County, KY | limit $832,750; median home $225,800 |
| Neighbor: Oldham County, KY | limit $832,750; median home $393,100 |
| Neighbor: Shelby County, KY | limit $832,750; median home $304,800 |
| Neighbor: Spencer County, KY | limit $832,750; median home $330,000 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Jefferson County's median home value is 21% above the state median of $205,600 (rank 11 of 120). Among its 8 neighboring counties, Oldham County has the highest median home value ($393,100) and Clark County the lowest ($222,900); all share the same loan limit. Owners pay a median $2,136 a year in property tax, an effective rate of about 0.86% 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: Jefferson County, IL
- 2026 conforming loan limit: Jefferson County, IN
- 2026 conforming loan limit: Jefferson County, KS
- 2026 conforming loan limit: Jefferson County, MO
- 2026 conforming loan limit: Jefferson County, MS
- 2026 conforming loan limit: Jefferson County, MT
- 2026 conforming loan limit: Jefferson County, NE
- 2026 conforming loan limit: Jefferson County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.