Kentucky USDA Rural Housing County Income Limits for 2025
2025 Kentucky USDA Loan Income Limits: Complete County Guide for First-Time Homebuyers
Updated June 2025: Are you a first-time homebuyer in Kentucky looking for zero-down financing? USDA Rural Development loans offer 100% financing for eligible properties across Kentucky’s 120 counties. Here are the official 2025 income limits you need to know.
2025 Kentucky USDA Income Limits: What You Need to Know
Most Kentucky Counties
1-4 People: $119,850
5-8 People: $158,250
Northern Kentucky Metro Counties*
1-4 People: $128,600
5-8 People: $169,800
*Higher limits apply to Boone, Campbell, Gallatin, and Kenton counties in Northern Kentucky
**For households over 8 people: Add 8% of the 4-person limit for each additional member
Kentucky USDA Income Limits by County (All 120 Counties)
Quick Reference: Most Kentucky counties share the same income limits, making qualification straightforward. Use this table to verify your county’s specific limits.
Data Source: Official USDA Eligibility Website – Updated June 2025
Why Kentucky First-Time Homebuyers Choose USDA Loans
🏠 Zero Down Payment
100% financing means no down payment required – perfect for first-time buyers without substantial savings.
💰 Lower Interest Rates
USDA loans typically offer rates 0.25% to 0.50% lower than conventional mortgages.
📊 Flexible Credit Requirements
Credit scores as low as 580-620 may qualify with proper documentation and compensating factors.
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