Martin County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 9.6 times the county's median home value of $86,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $37,042 (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) | $86,900 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 9.58× |
| Median household income | $37,042 |
| Median home value ÷ income | 2.3× |
| Population | 11,027 |
| Median property tax paid (owners) | $716 |
| Effective property tax rate (approx.) | 0.82% |
| Owner-occupied homes | 84.9% |
| Home value rank in Kentucky | 110 of 120 counties |
| Neighbor: Floyd County, KY | limit $832,750; median home $98,700 |
| Neighbor: Johnson County, KY | limit $832,750; median home $120,200 |
| Neighbor: Lawrence County, KY | limit $832,750; median home $111,700 |
| Neighbor: Pike County, KY | limit $832,750; median home $112,000 |
| Neighbor: Mingo County, WV | limit $832,750; median home $90,500 |
| 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. Martin County's median home value is 58% below the state median of $205,600 (rank 110 of 120). Among its 6 neighboring counties, Wayne County has the highest median home value ($127,100) and Mingo County the lowest ($90,500); all share the same loan limit. Owners pay a median $716 a year in property tax, an effective rate of about 0.82% 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: Marshall County, WV
- 2026 conforming loan limit: Martin County, FL
- 2026 conforming loan limit: Martin County, IN
- 2026 conforming loan limit: Martin County, MN
- 2026 conforming loan limit: Martin County, NC
- 2026 conforming loan limit: Martin County, TX
- 2026 conforming loan limit: Martinsville City, VA
- 2026 conforming loan limits in Maryland by county
Last updated 2026-10-16. Data only, not financial or tax advice.