40213 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40213 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$215,000
Days to Sell
35
Homes Sold
50
Inventory
28
Sale-to-List
99.5%
New Listings
65
Price/SqFt
$181
Pending Sales
65
Conforming Loan Available
Most homebuyers in 40213 can comfortably use conventional financing. The median home price of $215,000 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
40213's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 40213 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40213 can comfortably use conventional financing. The median home price of $215,000 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 40213 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 40213
To purchase the median home at $215,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,797.
Monthly Payment
$1,797
Income Required
$77,025
Principal & Interest
$1,325/mo
Down Payment (5%)
$10,750
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 40213.
Estimated Monthly Payment
$1,481
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