42211 — Caldwell County, Kentucky Market Snapshot
Housing market data for zip code 42211 in Caldwell County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$253,000
Days to Sell
139
Homes Sold
54
Inventory
89
Sale-to-List
95.9%
New Listings
82
Price/SqFt
$170
Pending Sales
61
Conforming Loan Available
Most homebuyers in 42211 can comfortably use conventional financing. The median home price of $253,000 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
With homes sitting for 139 days on average, 42211 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 42211 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42211 can comfortably use conventional financing. The median home price of $253,000 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 42211 are set at the county level.
2026 Loan Limits — Caldwell 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 42211
To purchase the median home at $253,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,088.
Monthly Payment
$2,088
Income Required
$89,503
Principal & Interest
$1,559/mo
Down Payment (5%)
$12,650
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 42211.
Estimated Monthly Payment
$1,716
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