Whitley County, Kentucky has a 2026 one-unit conforming loan limit of $832,750, which is 6.3 times the county's median home value of $131,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $44,615 (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) | $131,800 |
| Kentucky median home value | $205,600 |
| Limit ÷ median home value | 6.32× |
| Median household income | $44,615 |
| Median home value ÷ income | 3.0× |
| Population | 36,920 |
| Median property tax paid (owners) | $849 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 66.8% |
| Home value rank in Kentucky | 75 of 120 counties |
| Neighbor: Bell County, KY | limit $832,750; median home $89,000 |
| Neighbor: Knox County, KY | limit $832,750; median home $118,700 |
| Neighbor: Laurel County, KY | limit $832,750; median home $159,500 |
| Neighbor: Mccreary County, KY | limit $832,750; median home $85,300 |
| Neighbor: Campbell County, TN | limit $832,750; median home $186,500 |
| Neighbor: Claiborne County, TN | limit $832,750; median home $159,900 |
Across Kentucky's 120 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Whitley County's median home value is 36% below the state median of $205,600 (rank 75 of 120). Among its 6 neighboring counties, Campbell County has the highest median home value ($186,500) and Mccreary County the lowest ($85,300); all share the same loan limit. Owners pay a median $849 a year in property tax, an effective rate of about 0.64% 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: Whiteside County, IL
- 2026 conforming loan limit: Whitfield County, GA
- 2026 conforming loan limit: Whitley County, IN
- 2026 conforming loan limit: Whitman County, WA
- 2026 conforming loan limit: Wibaux County, MT
- 2026 conforming loan limit: Wichita County, KS
- 2026 conforming loan limit: Wichita County, TX
- 2026 conforming loan limit: Wicomico County, MD
Last updated 2026-10-16. Data only, not financial or tax advice.