42406 — Henderson County, Kentucky Market Snapshot
Housing market data for zip code 42406 in Henderson County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Henderson County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$138,750
Days to Sell
67
Homes Sold
4
Inventory
4
Conforming Loan Available
Most homebuyers in 42406 can comfortably use conventional financing. The median home price of $138,750 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 67 days on average, 42406 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 42406 can comfortably use conventional financing. The median home price of $138,750 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 42406 are set at the county level.
2026 Loan Limits — Henderson 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 42406
To purchase the median home at $138,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,213.
Monthly Payment
$1,213
Income Required
$51,988
Principal & Interest
$855/mo
Down Payment (5%)
$6,938
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 42406.
Estimated Monthly Payment
$1,009
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