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Kentucky Rural Housing and USDA Property Eligibility County List Map for Eligible Properties

Kentucky USDA Rural Housing Eligibility Map and County List 2026 | Zero Down Homes

Kentucky USDA Rural Housing & Property Eligibility Guide for 2026

Kentucky homebuyers using the USDA Rural Housing program in 2026 need a fast and accurate way to verify whether a property is located in an eligible rural area. 


This updated guide includes your Kentucky USDA map images, a full county eligibility list, income-limit guidance, and a simple tool to check property eligibility by address.

Check Kentucky USDA Property Eligibility for 2026

Enter the full property address below to instantly confirm whether the home is located in a USDA-eligible rural zone.

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Kentucky Rural Housing USDA Loans

Kentucky USDA Rural Housing Loans

USDA loans continue to be one of the most affordable mortgage options in Kentucky for 2026. With zero down payment, flexible credit guidelines, and low fixed rates, USDA financing remains a top choice for rural and suburban homebuyers.

A full list of income limits by Kentucky county and household size is available at the USDA Rural Development website under the Guaranteed Loan and Direct Loan Programs:

www.rd.usda.gov

Looking for more program details? Visit:

2026 USDA Property Eligibility County List for Kentucky

All non-hyperlinked counties are fully eligible. Jefferson County (Louisville) and Fayette County (Lexington) remain completely ineligible for USDA Rural Housing in 2026 due to population size.

  1. Adair
  2. Allen
  3. Anderson
  4. Ballard
  5. Barren
  6. Bath
  7. Bell
  8. Boone
  9. Bourbon
  10. Boyd
  11. Boyle
  12. Bracken
  13. Breathitt
  14. Breckinridge
  15. Bullitt
  16. Butler
  17. Caldwell
  18. Calloway
  19. Campbell
  20. Carlisle
  21. Carroll
  22. Carter
  23. Casey
  24. Christian
  25. Clark
  26. Clay
  27. Clinton
  28. Crittenden
  29. Cumberland
  30. Daviess
  31. Edmonson
  32. Elliott
  33. Estill
  34. Fayette (ineligible)
  35. Fleming
  36. Floyd
  37. Franklin
  38. Fulton
  39. Gallatin
  40. Garrard
  41. Grant
  42. Graves
  43. Grayson
  44. Green
  45. Greenup
  46. Hancock
  47. Hardin
  48. Harlan
  49. Harrison
  50. Hart
  51. Henderson
  52. Henry
  53. Hickman
  54. Hopkins
  55. Jackson
  56. Jefferson (ineligible)
  57. Jessamine
  58. Johnson
  59. Kenton
  60. Knott
  61. Knox
  62. Larue
  63. Laurel
  64. Lawrence
  65. Lee
  66. Leslie
  67. Letcher
  68. Lewis
  69. Lincoln
  70. Livingston
  71. Logan
  72. Lyon
  73. McCracken
  74. McCreary
  75. McLean
  76. Madison
  77. Magoffin
  78. Marion
  79. Marshall
  80. Martin
  81. Mason
  82. Meade
  83. Menifee
  84. Mercer
  85. Metcalfe
  86. Monroe
  87. Montgomery
  88. Morgan
  89. Muhlenberg
  90. Nelson
  91. Nicholas
  92. Ohio
  93. Oldham
  94. Owen
  95. Owsley
  96. Pendleton
  97. Perry
  98. Pike
  99. Powell
  100. Pulaski
  101. Robertson
  102. Rockcastle
  103. Rowan
  104. Russell
  105. Scott
  106. Shelby
  107. Simpson
  108. Spencer
  109. Taylor
  110. Todd
  111. Trigg
  112. Trimble
  113. Union
  114. Warren
  115. Washington
  116. Wayne
  117. Webster
  118. Whitley
  119. Wolfe
  120. Woodford



Kentucky USDA Rural Housing Property Eligibility  County List Map for Eligible Properties 





USDA Property Eligibility Text Description County List for Kentucky




Kentucky USDA Property Eligibility

enter address below:


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Joel Lobb
Mortgage Broker – FHA, VA, USDA, KHC, Fannie Mae
EVO Mortgage • Helping Kentucky Homebuyers Since 2001
📞 Call/Text: 502-905-3708
📧 Email: kentuckyloan@gmail.com
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