Lawrence County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 7.5 times the county's median home value of $111,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $46,772 (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) | $111,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 7.46× |
| Median household income | $46,772 |
| Median home value ÷ income | 2.4× |
| Population | 16,077 |
| Median property tax paid (owners) | $793 |
| Effective property tax rate (approx.) | 0.71% |
| Owner-occupied homes | 77.8% |
| Home value rank in Kentucky | 99 of 120 counties |
| Neighbor: Boyd County, KY | limit $832,750; median home $130,700 |
| Neighbor: Carter County, KY | limit $832,750; median home $132,800 |
| Neighbor: Elliott County, KY | limit $832,750; median home $123,500 |
| Neighbor: Johnson County, KY | limit $832,750; median home $120,200 |
| Neighbor: Martin County, KY | limit $832,750; median home $86,900 |
| Neighbor: Morgan County, KY | limit $832,750; median home $118,200 |
| Neighbor: Wayne County, WV | limit $832,750; median home $127,100 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lawrence County's median home value is 46% below the state median of $205,600 (rank 99 of 120). Among its 7 neighboring counties, Carter County has the highest median home value ($132,800) and Martin County the lowest ($86,900); all share the same loan limit. Owners pay a median $793 a year in property tax, an effective rate of about 0.71% 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: Lawrence County, AR
- 2026 conforming loan limit: Lawrence County, IL
- 2026 conforming loan limit: Lawrence County, IN
- 2026 conforming loan limit: Lawrence County, MO
- 2026 conforming loan limit: Lawrence County, MS
- 2026 conforming loan limit: Lawrence County, OH
- 2026 conforming loan limit: Lawrence County, PA
- 2026 conforming loan limit: Lawrence County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.