Spencer County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 2.5 times the county's median home value of $330,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $102,618 (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) | $330,000 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 2.52× |
| Median household income | $102,618 |
| Median home value ÷ income | 3.2× |
| Population | 20,193 |
| Median property tax paid (owners) | $2,188 |
| Effective property tax rate (approx.) | 0.66% |
| Owner-occupied homes | 87.9% |
| Home value rank in Kentucky | 2 of 120 counties |
| Neighbor: Anderson County, KY | limit $832,750; median home $225,100 |
| Neighbor: Bullitt County, KY | limit $832,750; median home $247,200 |
| Neighbor: Jefferson County, KY | limit $832,750; median home $248,400 |
| Neighbor: Nelson County, KY | limit $832,750; median home $238,000 |
| Neighbor: Shelby County, KY | limit $832,750; median home $304,800 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Spencer County's median home value is 61% above the state median of $205,600 (rank 2 of 120). Among its 5 neighboring counties, Shelby County has the highest median home value ($304,800) and Anderson County the lowest ($225,100); all share the same loan limit. Owners pay a median $2,188 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: Spalding County, GA
- 2026 conforming loan limit: Spartanburg County, SC
- 2026 conforming loan limit: Spencer County, IN
- 2026 conforming loan limit: Spink County, SD
- 2026 conforming loan limit: Spokane County, WA
- 2026 conforming loan limit: Spotsylvania County, VA
- 2026 conforming loan limit: St. Bernard Parish, LA
- 2026 conforming loan limit: St. Charles County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.