41097 — Grant County, Kentucky Market Snapshot
Housing market data for zip code 41097 in Grant County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$284,900
Days to Sell
20
Homes Sold
29
Inventory
18
Sale-to-List
96.3%
New Listings
40
Price/SqFt
$171
Pending Sales
45
Conforming Loan Available
Most homebuyers in 41097 can comfortably use conventional financing. The median home price of $284,900 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 41097 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 41097 sells for 3.7% below asking price (96.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 41097 can comfortably use conventional financing. The median home price of $284,900 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 41097 are set at the county level.
2026 Loan Limits — Grant 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 41097
To purchase the median home at $284,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,333.
Monthly Payment
$2,333
Income Required
$99,978
Principal & Interest
$1,755/mo
Down Payment (5%)
$14,245
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 41097.
Estimated Monthly Payment
$1,913
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 41097. Tell us what you're looking for.