42127 — Barren County, Kentucky Market Snapshot
Housing market data for zip code 42127 in Barren County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$204,400
Days to Sell
61
Homes Sold
12
Inventory
21
Sale-to-List
98.0%
New Listings
17
Price/SqFt
$112
Pending Sales
11
Conforming Loan Available
Most homebuyers in 42127 can comfortably use conventional financing. The median home price of $204,400 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 61 days on average, 42127 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 42127 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42127 can comfortably use conventional financing. The median home price of $204,400 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 42127 are set at the county level.
2026 Loan Limits — Barren County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 42127
To purchase the median home at $204,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,716.
Monthly Payment
$1,716
Income Required
$73,545
Principal & Interest
$1,259/mo
Down Payment (5%)
$10,220
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 42127.
Estimated Monthly Payment
$1,415
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