Madison County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 3.6 times the county's median home value of $232,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,351 (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) | $232,000 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 3.59× |
| Median household income | $63,351 |
| Median home value ÷ income | 3.7× |
| Population | 95,769 |
| Median property tax paid (owners) | $1,698 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 62.0% |
| Home value rank in Kentucky | 15 of 120 counties |
| Neighbor: Clark County, KY | limit $832,750; median home $205,800 |
| Neighbor: Estill County, KY | limit $832,750; median home $119,500 |
| Neighbor: Fayette County, KY | limit $832,750; median home $293,500 |
| Neighbor: Garrard County, KY | limit $832,750; median home $204,900 |
| Neighbor: Jackson County, KY | limit $832,750; median home $111,500 |
| Neighbor: Jessamine County, KY | limit $832,750; median home $268,100 |
| 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. Madison County's median home value is 13% above the state median of $205,600 (rank 15 of 120). Among its 7 neighboring counties, Fayette County has the highest median home value ($293,500) and Jackson County the lowest ($111,500); all share the same loan limit. Owners pay a median $1,698 a year in property tax, an effective rate of about 0.73% 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
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- 2026 conforming loan limit: Mason County, KY
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
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