Morgan County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 7.0 times the county's median home value of $118,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $47,913 (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) | $118,200 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 7.05× |
| Median household income | $47,913 |
| Median home value ÷ income | 2.5× |
| Population | 14,053 |
| Median property tax paid (owners) | $780 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 78.9% |
| Home value rank in Kentucky | 94 of 120 counties |
| Neighbor: Elliott County, KY | limit $832,750; median home $123,500 |
| Neighbor: Johnson County, KY | limit $832,750; median home $120,200 |
| Neighbor: Lawrence County, KY | limit $832,750; median home $111,700 |
| Neighbor: Magoffin County, KY | limit $832,750; median home $89,000 |
| Neighbor: Menifee County, KY | limit $832,750; median home $125,800 |
| Neighbor: Rowan County, KY | limit $832,750; median home $161,800 |
| Neighbor: Wolfe County, KY | limit $832,750; median home $75,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Morgan County's median home value is 43% below the state median of $205,600 (rank 94 of 120). Among its 7 neighboring counties, Rowan County has the highest median home value ($161,800) and Wolfe County the lowest ($75,800); all share the same loan limit. Owners pay a median $780 a year in property tax, an effective rate of about 0.66% 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: Morgan County, GA
- 2026 conforming loan limit: Morgan County, IL
- 2026 conforming loan limit: Morgan County, IN
- 2026 conforming loan limit: Morgan County, MO
- 2026 conforming loan limit: Morgan County, OH
- 2026 conforming loan limit: Morgan County, TN
- 2026 conforming loan limit: Morgan County, UT
- 2026 conforming loan limit: Morgan County, WV
Last updated 2026-10-16. Data only, not financial or tax advice.