Rockcastle County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 6.7 times the county's median home value of $123,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $48,862 (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) | $123,600 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 6.74× |
| Median household income | $48,862 |
| Median home value ÷ income | 2.5× |
| Population | 16,163 |
| Median property tax paid (owners) | $596 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 74.3% |
| Home value rank in Kentucky | 84 of 120 counties |
| Neighbor: Garrard County, KY | limit $832,750; median home $204,900 |
| Neighbor: Jackson County, KY | limit $832,750; median home $111,500 |
| Neighbor: Laurel County, KY | limit $832,750; median home $159,500 |
| Neighbor: Lincoln County, KY | limit $832,750; median home $147,300 |
| Neighbor: Madison County, KY | limit $832,750; median home $232,000 |
| Neighbor: Pulaski County, KY | limit $832,750; median home $166,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Rockcastle County's median home value is 40% below the state median of $205,600 (rank 84 of 120). Among its 6 neighboring counties, Madison County has the highest median home value ($232,000) and Jackson County the lowest ($111,500); all share the same loan limit. Owners pay a median $596 a year in property tax, an effective rate of about 0.48% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.