Shelby County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $304,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $82,604 (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) | $304,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 2.73× |
| Median household income | $82,604 |
| Median home value ÷ income | 3.7× |
| Population | 49,096 |
| Median property tax paid (owners) | $2,339 |
| Effective property tax rate (approx.) | 0.77% |
| Owner-occupied homes | 73.9% |
| Home value rank in Kentucky | 3 of 120 counties |
| Neighbor: Anderson County, KY | limit $832,750; median home $225,100 |
| Neighbor: Franklin County, KY | limit $832,750; median home $216,600 |
| Neighbor: Henry County, KY | limit $832,750; median home $197,900 |
| Neighbor: Jefferson County, KY | limit $832,750; median home $248,400 |
| Neighbor: Oldham County, KY | limit $832,750; median home $393,100 |
| Neighbor: Spencer County, KY | limit $832,750; median home $330,000 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 48% above the state median of $205,600 (rank 3 of 120). Among its 6 neighboring counties, Oldham County has the highest median home value ($393,100) and Henry County the lowest ($197,900); all share the same loan limit. Owners pay a median $2,339 a year in property tax, an effective rate of about 0.77% 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: Shelby County, IA
- 2026 conforming loan limit: Shelby County, IL
- 2026 conforming loan limit: Shelby County, IN
- 2026 conforming loan limit: Shelby County, MO
- 2026 conforming loan limit: Shelby County, OH
- 2026 conforming loan limit: Shelby County, TN
- 2026 conforming loan limit: Shelby County, TX
- 2026 conforming loan limit: Shenandoah County, VA
Last updated 2026-10-16. Data only, not financial or tax advice.