40205 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40205 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
72 sales in 2026 (year to date)
Median Sale Price
$418,500
Days to Sell
27
Homes Sold
72
Inventory
36
Sale-to-List
99.5%
New Listings
91
Price/SqFt
$208
Pending Sales
89
Conforming Loan Available
Most homebuyers in 40205 can comfortably use conventional financing. The median home price of $418,500 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 40205 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 40205 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40205 can comfortably use conventional financing. The median home price of $418,500 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 40205 are set at the county level.
2026 Loan Limits — Jefferson 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 40205
To purchase the median home at $418,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,356.
Monthly Payment
$3,356
Income Required
$143,846
Principal & Interest
$2,579/mo
Down Payment (5%)
$20,925
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 40205.
Estimated Monthly Payment
$2,740
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 40205. Tell us what you're looking for.