Scott County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 2.9 times the county's median home value of $288,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $85,158 (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) | $288,500 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 2.89× |
| Median household income | $85,158 |
| Median home value ÷ income | 3.4× |
| Population | 59,536 |
| Median property tax paid (owners) | $1,908 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 71.7% |
| Home value rank in Kentucky | 6 of 120 counties |
| Neighbor: Bourbon County, KY | limit $832,750; median home $229,300 |
| Neighbor: Fayette County, KY | limit $832,750; median home $293,500 |
| Neighbor: Franklin County, KY | limit $832,750; median home $216,600 |
| Neighbor: Grant County, KY | limit $832,750; median home $209,500 |
| Neighbor: Harrison County, KY | limit $832,750; median home $202,100 |
| Neighbor: Owen County, KY | limit $832,750; median home $168,700 |
| Neighbor: Woodford County, KY | limit $832,750; median home $299,700 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Scott County's median home value is 40% above the state median of $205,600 (rank 6 of 120). Among its 7 neighboring counties, Woodford County has the highest median home value ($299,700) and Owen County the lowest ($168,700); all share the same loan limit. Owners pay a median $1,908 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: Scott County, IL
- 2026 conforming loan limit: Scott County, IN
- 2026 conforming loan limit: Scott County, KS
- 2026 conforming loan limit: Scott County, MN
- 2026 conforming loan limit: Scott County, MO
- 2026 conforming loan limit: Scott County, MS
- 2026 conforming loan limit: Scott County, TN
- 2026 conforming loan limit: Scott County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.