40216 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40216 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
144 sales in 2026 (year to date)
Median Sale Price
$220,000
Days to Sell
41
Homes Sold
144
Inventory
99
Sale-to-List
99.6%
New Listings
180
Price/SqFt
$141
Pending Sales
190
Conforming Loan Available
Most homebuyers in 40216 can comfortably use conventional financing. The median home price of $220,000 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
40216'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.
Sale-to-List Ratio
Homes are selling very close to asking price in 40216 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40216 can comfortably use conventional financing. The median home price of $220,000 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 40216 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 40216
To purchase the median home at $220,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,836.
Monthly Payment
$1,836
Income Required
$78,667
Principal & Interest
$1,356/mo
Down Payment (5%)
$11,000
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 40216.
Estimated Monthly Payment
$1,512
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