Pendleton County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.2 times the county's median home value of $159,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,669 (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) | $159,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.21× |
| Median household income | $64,669 |
| Median home value ÷ income | 2.5× |
| Population | 14,723 |
| Median property tax paid (owners) | $1,275 |
| Effective property tax rate (approx.) | 0.80% |
| Owner-occupied homes | 74.7% |
| Home value rank in Kentucky | 56 of 120 counties |
| Neighbor: Bracken County, KY | limit $832,750; median home $125,000 |
| Neighbor: Campbell County, KY | limit $832,750; median home $252,000 |
| Neighbor: Grant County, KY | limit $832,750; median home $209,500 |
| Neighbor: Harrison County, KY | limit $832,750; median home $202,100 |
| Neighbor: Kenton County, KY | limit $832,750; median home $244,400 |
| Neighbor: Clermont County, OH | limit $832,750; median home $266,200 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Pendleton County's median home value is 22% below the state median of $205,600 (rank 56 of 120). Among its 6 neighboring counties, Clermont County has the highest median home value ($266,200) and Bracken County the lowest ($125,000); all share the same loan limit. Owners pay a median $1,275 a year in property tax, an effective rate of about 0.80% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.
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