40953 — Knox County, Kentucky Market Snapshot
Housing market data for zip code 40953 in Knox County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Knox County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$169,500
Days to Sell
59
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 40953 can comfortably use conventional financing. The median home price of $169,500 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
40953's market is balanced with homes taking an average of 59 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 40953 can comfortably use conventional financing. The median home price of $169,500 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 40953 are set at the county level.
2026 Loan Limits — Knox 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 40953
To purchase the median home at $169,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,449.
Monthly Payment
$1,449
Income Required
$62,085
Principal & Interest
$1,044/mo
Down Payment (5%)
$8,475
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 40953.
Estimated Monthly Payment
$1,199
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