41132 — Carter County, Kentucky Market Snapshot
Housing market data for zip code 41132 in Carter County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Carter County county page for broader data.
Market Sales Data
2 sales in 2025
Median Sale Price
$171,750
Days to Sell
107
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 41132 can comfortably use conventional financing. The median home price of $171,750 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 107 days on average, 41132 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 41132 can comfortably use conventional financing. The median home price of $171,750 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 41132 are set at the county level.
2026 Loan Limits — Carter 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 41132
To purchase the median home at $171,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,466.
Monthly Payment
$1,466
Income Required
$62,824
Principal & Interest
$1,058/mo
Down Payment (5%)
$8,588
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 41132.
Estimated Monthly Payment
$1,213
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 41132. Tell us what you're looking for.