41146 — Carter County, Kentucky Market Snapshot
Housing market data for zip code 41146 in Carter County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home 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
1 sales in 2024
Median Sale Price
$140,000
Days to Sell
56
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 41146 can comfortably use conventional financing. The median home price of $140,000 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
41146's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 41146 can comfortably use conventional financing. The median home price of $140,000 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 41146 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 41146
To purchase the median home at $140,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,223.
Monthly Payment
$1,223
Income Required
$52,399
Principal & Interest
$863/mo
Down Payment (5%)
$7,000
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 41146.
Estimated Monthly Payment
$1,016
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 41146. Tell us what you're looking for.