41048 — Boone County, Kentucky Market Snapshot
Housing market data for zip code 41048 in Boone County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Boone County county page for broader data.
Market Sales Data
3 sales in 2026 (year to date)
Median Sale Price
$290,903
Days to Sell
247
Homes Sold
3
Inventory
6
Conforming Loan Available
Most homebuyers in 41048 can comfortably use conventional financing. The median home price of $290,903 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 247 days on average, 41048 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 41048 can comfortably use conventional financing. The median home price of $290,903 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 41048 are set at the county level.
2026 Loan Limits — Boone 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 41048
To purchase the median home at $290,903 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,379.
Monthly Payment
$2,379
Income Required
$101,949
Principal & Interest
$1,792/mo
Down Payment (5%)
$14,545
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 41048.
Estimated Monthly Payment
$1,950
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