Rowan County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $161,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,321 (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) | $161,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.15× |
| Median household income | $54,321 |
| Median home value ÷ income | 3.0× |
| Population | 24,578 |
| Median property tax paid (owners) | $885 |
| Effective property tax rate (approx.) | 0.55% |
| Owner-occupied homes | 61.5% |
| Home value rank in Kentucky | 53 of 120 counties |
| Neighbor: Bath County, KY | limit $832,750; median home $129,800 |
| Neighbor: Carter County, KY | limit $832,750; median home $132,800 |
| Neighbor: Elliott County, KY | limit $832,750; median home $123,500 |
| Neighbor: Fleming County, KY | limit $832,750; median home $134,700 |
| Neighbor: Lewis County, KY | limit $832,750; median home $96,000 |
| Neighbor: Menifee County, KY | limit $832,750; median home $125,800 |
| Neighbor: Morgan County, KY | limit $832,750; median home $118,200 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Rowan County's median home value is 21% below the state median of $205,600 (rank 53 of 120). Among its 7 neighboring counties, Fleming County has the highest median home value ($134,700) and Lewis County the lowest ($96,000); all share the same loan limit. Owners pay a median $885 a year in property tax, an effective rate of about 0.55% 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: Ross County, OH
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- 2026 conforming loan limit: Routt County, CO
- 2026 conforming loan limit: Rowan County, NC
- 2026 conforming loan limit: Runnels County, TX
- 2026 conforming loan limit: Rush County, IN
- 2026 conforming loan limit: Rush County, KS
- 2026 conforming loan limit: Rusk County, TX
Last updated 2026-10-16. Data only, not financial or tax advice.