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Income limits · Kentucky

Income limits and price caps in Kentucky

32 Kentucky programs publish an income limit, a price cap, or both.

  1. 01
    HUD sets the median

    Each year, for every county, quoted for a household of four.

  2. 02
    The program picks a share

    Up to that share of the median for the county where the home is.

  3. 03
    The agency publishes the dollars

    Adjusted for household size, in the program’s own table. That table is the one that counts.

Area median income by county

Find your county’s median

HUD’s four-person figure. Programs adjust it for household size.

HUD FY2026 Income Limits, median family income for a four-person household. Program counts: programs whose record names the county, Hey Prescott, verified June–July 2026. Statewide programs apply too.

How programs set their limits

The percentage each program publishes

Grouped by the limit in each program’s own record.

Up to 80% AMI

13 programs
All 13 →

Other limits

Limits as written in each program record, Hey Prescott, verified June–July 2026. Confirm current limits with the administering agency.

Purchase price caps

10 programs also cap the home’s price

The highest price the program accepts, as it publishes it.

All 10 price caps →

Sorted by cap. Caps as published by each agency, Hey Prescott program records, verified June–July 2026.

Not sure where your income lands?

24 HUD-approved counseling agencies in Kentucky

A counselor can walk through a program’s own income table with you, for free.

Find my counselor

Free account → 90-second match → your counselors

Keep exploring Kentucky

Kentucky programs32 programsBack to Kentucky →All 120 countiesLocal programs and mediansSee counties →6 cities with a programcovington, henderson, lexington and moreSee cities →How income limits workCounted across every stateRead it →

Questions, answered

What are the income limits for down payment assistance in Kentucky?

32 down payment assistance programs in Kentucky publish an income limit, a purchase price cap, or both. 16 express the limit as a share of the area median income for the county where the home is, and 8 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a share of area median income, which HUD publishes per county and revises annually. A program with one published share therefore admits a different dollar figure in each county, and the program adjusts that figure for household size in its own table.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Sources

  • U.S. Department of Housing and Urban Development, FY2026 Income Limits: median family income, four-person household, by county. HUD’s own household-size tables →
  • Program limits and price caps: each administering agency, as recorded by Hey Prescott, verified June–July 2026.
  • HUD-approved housing counseling agencies: HUD agency list.