40206 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40206 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
57 sales in 2026 (year to date)
Median Sale Price
$340,000
Days to Sell
40
Homes Sold
57
Inventory
45
Sale-to-List
97.3%
New Listings
77
Price/SqFt
$222
Pending Sales
67
Conforming Loan Available
Most homebuyers in 40206 can comfortably use conventional financing. The median home price of $340,000 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
40206's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 40206 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 40206 can comfortably use conventional financing. The median home price of $340,000 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 40206 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 40206
To purchase the median home at $340,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,755.
Monthly Payment
$2,755
Income Required
$118,070
Principal & Interest
$2,095/mo
Down Payment (5%)
$17,000
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 40206.
Estimated Monthly Payment
$2,254
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