Kentucky USDA Loans

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Eligibility Requirements – Kentucky

House-hunting in the Bluegrass State? A home loan from the USDA may be just the thing for you. For a family of 1-4 in Kentucky, the average household income limit for a USDA loan is about $119,850; for a family of 5 or more, the limit can be as high as $169,800. Don’t hesitate to contact one of our USDA loan specialists to learn how that new Kentucky home can be yours.

This map shows the areas of Kentucky that are eligible for USDA loans. For more information, check out the USDA property eligibility screen.

Kentucky USDA Income Limits (Moderate Income – Guaranteed Loan)

Most areas of Kentucky follow the standard USDA income limit. A few metro areas have higher limits.

Area 1–4 Person 5+ Person
Standard Kentucky Limit (Most Counties & MSAs) $119,850 $158,250
Shelby County, KY HUD Metro FMR Area $121,700 $160,650
Bloomington, IN HUD Metro FMR Area (KY Portion) $124,650 $164,550
Cincinnati, OH-KY-IN HUD Metro FMR Area $128,600 $169,800

USDA income limits in Kentucky are based on the property’s county and total household size. These limits use gross household income (everyone in the home who earns income), not just the borrower. Most Kentucky counties use the standard USDA income limit, but select metro areas—like the Cincinnati tri-state region—and Shelby County have higher limits due to local housing costs. If you’re close to the cap, we can quickly confirm which limit applies to your address and household size.

Check Your Kentucky USDA Eligibility

USDA loans offer 100% financing (no down payment) in eligible rural and suburban areas. To qualify, you’ll need to meet
income limits, credit and debt-to-income guidelines, and the home must be in a USDA-eligible location.

  • Verify your county income limit (1–4 vs. 5+ household members)
  • Confirm the home address is in a USDA-eligible area
  • Get a fast payment estimate and next steps


Get Pre-Qualified


or request a quick eligibility review.

Income limits shown are for USDA Guaranteed loans and can change annually. Final eligibility depends on household size, county, and program guidelines.

  • NO down payment – Finance 100% of your home
  • NO assets needed to qualify
  • Flexible credit guidelines
  • Competitive, fixed interest rates so payments do not increase
  • USDA Loans are for new and existing properties

Start your Kentucky USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

What areas are eligible?

USDA Eligibility Map – Kentucky