42441 — Hopkins County, Kentucky Market Snapshot
Housing market data for zip code 42441 in Hopkins County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Hopkins County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$316,950
Days to Sell
41
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 42441 can comfortably use conventional financing. The median home price of $316,950 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
42441's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 42441 can comfortably use conventional financing. The median home price of $316,950 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 42441 are set at the county level.
2026 Loan Limits — Hopkins 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 42441
To purchase the median home at $316,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,578.
Monthly Payment
$2,578
Income Required
$110,502
Principal & Interest
$1,953/mo
Down Payment (5%)
$15,848
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 42441.
Estimated Monthly Payment
$2,112
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