40299 — Bullitt County, Kentucky Market Snapshot
Housing market data for zip code 40299 in Bullitt County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
190 sales in 2026 (year to date)
Median Sale Price
$347,450
Days to Sell
42
Homes Sold
190
Inventory
146
Sale-to-List
98.8%
New Listings
238
Price/SqFt
$172
Pending Sales
228
Conforming Loan Available
Most homebuyers in 40299 can comfortably use conventional financing. The median home price of $347,450 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
40299's market is balanced with homes taking an average of 42 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 40299 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40299 can comfortably use conventional financing. The median home price of $347,450 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 40299 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 40299
To purchase the median home at $347,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,812.
Monthly Payment
$2,812
Income Required
$120,517
Principal & Interest
$2,141/mo
Down Payment (5%)
$17,373
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 40299.
Estimated Monthly Payment
$2,300
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