40509 — Fayette County, Kentucky Market Snapshot
Housing market data for zip code 40509 in Fayette County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Fayette County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$311,250
Days to Sell
54
Homes Sold
6
Inventory
1
Conforming Loan Available
Most homebuyers in 40509 can comfortably use conventional financing. The median home price of $311,250 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
40509's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 40509 can comfortably use conventional financing. The median home price of $311,250 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 40509 are set at the county level.
2026 Loan Limits — Fayette 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 40509
To purchase the median home at $311,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,535.
Monthly Payment
$2,535
Income Required
$108,630
Principal & Interest
$1,918/mo
Down Payment (5%)
$15,563
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 40509.
Estimated Monthly Payment
$2,076
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