Wayne County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 6.1 times the county's median home value of $135,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $45,739 (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) | $135,700 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 6.14× |
| Median household income | $45,739 |
| Median home value ÷ income | 3.0× |
| Population | 19,602 |
| Median property tax paid (owners) | $758 |
| Effective property tax rate (approx.) | 0.56% |
| Owner-occupied homes | 69.1% |
| Home value rank in Kentucky | 71 of 120 counties |
| Neighbor: Clinton County, KY | limit $832,750; median home $122,200 |
| Neighbor: Mccreary County, KY | limit $832,750; median home $85,300 |
| Neighbor: Pulaski County, KY | limit $832,750; median home $166,900 |
| Neighbor: Russell County, KY | limit $832,750; median home $163,200 |
| Neighbor: Pickett County, TN | limit $832,750; median home $178,500 |
| Neighbor: Scott County, TN | limit $832,750; median home $124,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Wayne County's median home value is 34% below the state median of $205,600 (rank 71 of 120). Among its 6 neighboring counties, Pickett County has the highest median home value ($178,500) and Mccreary County the lowest ($85,300); all share the same loan limit. Owners pay a median $758 a year in property tax, an effective rate of about 0.56% 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: Wayne County, IA
- 2026 conforming loan limit: Wayne County, IL
- 2026 conforming loan limit: Wayne County, IN
- 2026 conforming loan limit: Wayne County, MI
- 2026 conforming loan limit: Wayne County, MO
- 2026 conforming loan limit: Wayne County, MS
- 2026 conforming loan limit: Wayne County, NC
- 2026 conforming loan limit: Wayne County, NE
Last updated 2026-10-16. Data only, not financial or tax advice.