Montgomery County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $172,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,396 (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) | $172,200 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 4.84× |
| Median household income | $56,396 |
| Median home value ÷ income | 3.1× |
| Population | 28,395 |
| Median property tax paid (owners) | $1,265 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 68.3% |
| Home value rank in Kentucky | 42 of 120 counties |
| Neighbor: Bath County, KY | limit $832,750; median home $129,800 |
| Neighbor: Bourbon County, KY | limit $832,750; median home $229,300 |
| Neighbor: Clark County, KY | limit $832,750; median home $205,800 |
| Neighbor: Menifee County, KY | limit $832,750; median home $125,800 |
| Neighbor: Nicholas County, KY | limit $832,750; median home $123,000 |
| Neighbor: Powell County, KY | limit $832,750; median home $141,100 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Montgomery County's median home value is 16% below the state median of $205,600 (rank 42 of 120). Among its 6 neighboring counties, Bourbon County has the highest median home value ($229,300) and Nicholas County the lowest ($123,000); all share the same loan limit. Owners pay a median $1,265 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
- 2026 conforming loan limit: Montgomery County, IL
- 2026 conforming loan limit: Montgomery County, IN
- 2026 conforming loan limit: Montgomery County, KS
- 2026 conforming loan limit: Montgomery County, MD
- 2026 conforming loan limit: Montgomery County, MO
- 2026 conforming loan limit: Montgomery County, MS
- 2026 conforming loan limit: Montgomery County, NC
- 2026 conforming loan limit: Montgomery County, NY
Last updated 2026-10-16. Data only, not financial or tax advice.