Lincoln 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 $147,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $52,440 (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) | $147,300 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.65× |
| Median household income | $52,440 |
| Median home value ÷ income | 2.8× |
| Population | 24,504 |
| Median property tax paid (owners) | $1,066 |
| Effective property tax rate (approx.) | 0.72% |
| Owner-occupied homes | 76.4% |
| Home value rank in Kentucky | 62 of 120 counties |
| Neighbor: Boyle County, KY | limit $832,750; median home $209,900 |
| Neighbor: Casey County, KY | limit $832,750; median home $136,300 |
| Neighbor: Garrard County, KY | limit $832,750; median home $204,900 |
| Neighbor: Pulaski County, KY | limit $832,750; median home $166,900 |
| Neighbor: Rockcastle County, KY | limit $832,750; median home $123,600 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lincoln County's median home value is 28% below the state median of $205,600 (rank 62 of 120). Among its 5 neighboring counties, Boyle County has the highest median home value ($209,900) and Rockcastle County the lowest ($123,600); all share the same loan limit. Owners pay a median $1,066 a year in property tax, an effective rate of about 0.72% 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: Lincoln County, GA
- 2026 conforming loan limit: Lincoln County, ID
- 2026 conforming loan limit: Lincoln County, KS
- 2026 conforming loan limit: Lincoln County, ME
- 2026 conforming loan limit: Lincoln County, MN
- 2026 conforming loan limit: Lincoln County, MO
- 2026 conforming loan limit: Lincoln County, MS
- 2026 conforming loan limit: Lincoln County, MT
Last updated 2026-10-16. Data only, not financial or tax advice.