Todd County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 5.0 times the county's median home value of $166,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $61,103 (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) | $166,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 5.00× |
| Median household income | $61,103 |
| Median home value ÷ income | 2.7× |
| Population | 12,469 |
| Median property tax paid (owners) | $909 |
| Effective property tax rate (approx.) | 0.55% |
| Owner-occupied homes | 76.0% |
| Home value rank in Kentucky | 48 of 120 counties |
| Neighbor: Christian County, KY | limit $832,750; median home $173,600 |
| Neighbor: Logan County, KY | limit $832,750; median home $164,900 |
| Neighbor: Muhlenberg County, KY | limit $832,750; median home $127,400 |
| Neighbor: Montgomery County, TN | limit $832,750; median home $280,200 |
| Neighbor: Robertson County, TN | limit $1,029,250; median home $335,000 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Todd County's median home value is 19% below the state median of $205,600 (rank 48 of 120). Among its 5 neighboring counties, Robertson County has the highest median home value ($335,000) and Muhlenberg County the lowest ($127,400); 1 neighbor(s) have a different loan limit. Owners pay a median $909 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.