Owsley County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 10.4 times the county's median home value of $80,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $22,188 (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) | $80,100 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 10.40× |
| Median household income | $22,188 |
| Median home value ÷ income | 3.6× |
| Population | 3,971 |
| Median property tax paid (owners) | $570 |
| Effective property tax rate (approx.) | 0.71% |
| Owner-occupied homes | 70.1% |
| Home value rank in Kentucky | 113 of 120 counties |
| Neighbor: Breathitt County, KY | limit $832,750; median home $70,300 |
| Neighbor: Clay County, KY | limit $832,750; median home $90,700 |
| Neighbor: Jackson County, KY | limit $832,750; median home $111,500 |
| Neighbor: Lee County, KY | limit $832,750; median home $83,900 |
| Neighbor: Perry County, KY | limit $832,750; median home $91,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Owsley County's median home value is 61% below the state median of $205,600 (rank 113 of 120). Among its 5 neighboring counties, Jackson County has the highest median home value ($111,500) and Breathitt County the lowest ($70,300); all share the same loan limit. Owners pay a median $570 a year in property tax, an effective rate of about 0.71% 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: Overton County, TN
- 2026 conforming loan limit: Owen County, IN
- 2026 conforming loan limit: Owen County, KY
- 2026 conforming loan limit: Owyhee County, ID
- 2026 conforming loan limit: Oxford County, ME
- 2026 conforming loan limit: Ozark County, MO
- 2026 conforming loan limit: Ozaukee County, WI
- 2026 conforming loan limit: Pacific County, WA
Last updated 2026-10-16. Data only, not financial or tax advice.