Mccreary County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 9.8 times the county's median home value of $85,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $33,750 (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) | $85,300 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 9.76× |
| Median household income | $33,750 |
| Median home value ÷ income | 2.5× |
| Population | 16,867 |
| Median property tax paid (owners) | $554 |
| Effective property tax rate (approx.) | 0.65% |
| Owner-occupied homes | 74.2% |
| Home value rank in Kentucky | 111 of 120 counties |
| Neighbor: Laurel County, KY | limit $832,750; median home $159,500 |
| Neighbor: Pulaski County, KY | limit $832,750; median home $166,900 |
| Neighbor: Wayne County, KY | limit $832,750; median home $135,700 |
| Neighbor: Whitley County, KY | limit $832,750; median home $131,800 |
| Neighbor: Campbell County, TN | limit $832,750; median home $186,500 |
| Neighbor: Scott County, TN | limit $832,750; median home $124,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mccreary County's median home value is 59% below the state median of $205,600 (rank 111 of 120). Among its 6 neighboring counties, Campbell County has the highest median home value ($186,500) and Scott County the lowest ($124,900); all share the same loan limit. Owners pay a median $554 a year in property tax, an effective rate of about 0.65% 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: Mccook County, SD
- 2026 conforming loan limit: Mccormick County, SC
- 2026 conforming loan limit: Mccracken County, KY
- 2026 conforming loan limit: Mcculloch County, TX
- 2026 conforming loan limit: Mccurtain County, OK
- 2026 conforming loan limit: Mcdonald County, MO
- 2026 conforming loan limit: Mcdonough County, IL
- 2026 conforming loan limit: Mcdowell County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.