40214 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40214 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
142 sales in 2026 (year to date)
Median Sale Price
$240,000
Days to Sell
40
Homes Sold
142
Inventory
144
Sale-to-List
99.0%
New Listings
209
Price/SqFt
$141
Pending Sales
189
Conforming Loan Available
Most homebuyers in 40214 can comfortably use conventional financing. The median home price of $240,000 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
40214'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
Homes are selling very close to asking price in 40214 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40214 can comfortably use conventional financing. The median home price of $240,000 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 40214 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 40214
To purchase the median home at $240,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,989.
Monthly Payment
$1,989
Income Required
$85,234
Principal & Interest
$1,479/mo
Down Payment (5%)
$12,000
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 40214.
Estimated Monthly Payment
$1,635
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