40219 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40219 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
100 sales in 2026 (year to date)
Median Sale Price
$252,000
Days to Sell
31
Homes Sold
100
Inventory
66
Sale-to-List
98.9%
New Listings
122
Price/SqFt
$153
Pending Sales
123
Conforming Loan Available
Most homebuyers in 40219 can comfortably use conventional financing. The median home price of $252,000 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
40219's market is balanced with homes taking an average of 31 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 40219 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40219 can comfortably use conventional financing. The median home price of $252,000 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 40219 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 40219
To purchase the median home at $252,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,081.
Monthly Payment
$2,081
Income Required
$89,175
Principal & Interest
$1,553/mo
Down Payment (5%)
$12,600
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 40219.
Estimated Monthly Payment
$1,710
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