Category: income

Kentucky USDA Rural Housing County Income Limits for 2022

~ Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans

The base USDA income limits are for most Kentucky counties below: 

Kentucky Rural Housing ​USDA ​Loan Program for 2022 ​ust recently increased their income limits Families of 4 or less people can now have a maximum annual income of $103,500 (used to be $90,000) in most counties and 5 or more people in the household income can now be a maximum of $136,600 What does that mean? It means if before you were told you make too much to qualify for a ​Kentucky ​USDA loan, you might qualify now




New Income limits for most counties (*) in Kentucky are $103,500 for a household family of four and household families of five or more  can make up to $136,600 with the new changes for 

2022 Kentucky USDA Income limits, the Jefferson County Louisville, KY Metro area (**) saw an increase of $103,500 for a family of four and up to $136,600 for a family of five or more. The metro area surrounding counties of Jefferson County includes Oldham, Bullitt, Spencer are included in these higher income limits for USDA loans.

Remember,  the entire  Jefferson County and Fayette County  Kentucky counties are not eligible for USDA loans. Along with parts of the following counties Daviess (Owensboro), Mccracken (Paducah), Madison County, (Richmond), Clark County (Winchester), Warren (Bowling Green), Hardin (Fort Knox and Radcliff), Bullitt(Hillview, Maryville, Zoneton, Fairdale, Brooks), Franklin, (Frankfort), Henderson (Henderson City Limits), Christian County (Hopkinsville, Fort Campbell), Boyd County (Ashland city limits) and the most Northern Parts of Boone, Kenton, Campbell Counties of Northern Kentucky (Covington, Florence, Richwood, Hebron, Ludlow, Fort Thomas, Bellevue, Ryle, Beechwood, ) 

The Northern Kentucky Counties (***) of Boon, Kenton, Campbell, Bracken, Gallatin, and Pendleton are $109,850 for a household of four or less and up to $145,000 for a family of five or more.

USDA Eligible Areas in Northern Kentucky
Burlington
Hebron
Independence
Walton
Alexandria
Highland Heights
Cold Springs
Grant County
Owen County
Pendleton County
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USDA Income Limits
Boone, Kenton & Campbell Counties (N. KY)
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$109,850 (family size 1-4)
$145,000 (family size 5 or more)
​

Grant, Owen & Pendleton Counties (N. KY)
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$103,500 (family size 1-4)
$136,600  (family size 5 or more)



Most are familiar with USDA Rural Housing Loan Program  being a great no money down program available and it is not just for Kentucky first time buyers.