40165 — Bullitt County, Kentucky Market Snapshot
Housing market data for zip code 40165 in Bullitt County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
105 sales in 2026 (year to date)
Median Sale Price
$325,000
Days to Sell
40
Homes Sold
105
Inventory
115
Sale-to-List
98.8%
New Listings
153
Price/SqFt
$187
Pending Sales
131
Conforming Loan Available
Most homebuyers in 40165 can comfortably use conventional financing. The median home price of $325,000 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
40165's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 40165 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40165 can comfortably use conventional financing. The median home price of $325,000 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 40165 are set at the county level.
2026 Loan Limits — Bullitt 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 40165
To purchase the median home at $325,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,640.
Monthly Payment
$2,640
Income Required
$113,145
Principal & Interest
$2,003/mo
Down Payment (5%)
$16,250
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 40165.
Estimated Monthly Payment
$2,161
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