41086 — Gallatin County, Kentucky Market Snapshot
Housing market data for zip code 41086 in Gallatin County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 9 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Gallatin County county page for broader data.
Market Sales Data
9 sales in 2026 (year to date)
Median Sale Price
$305,000
Days to Sell
18
Homes Sold
9
Inventory
16
Conforming Loan Available
Most homebuyers in 41086 can comfortably use conventional financing. The median home price of $305,000 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
Homes in 41086 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 41086 can comfortably use conventional financing. The median home price of $305,000 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 41086 are set at the county level.
2026 Loan Limits — Gallatin 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 41086
To purchase the median home at $305,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,487.
Monthly Payment
$2,487
Income Required
$106,578
Principal & Interest
$1,879/mo
Down Payment (5%)
$15,250
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 41086.
Estimated Monthly Payment
$2,038
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