40737 — Laurel County, Kentucky Market Snapshot
Housing market data for zip code 40737 in Laurel County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Laurel County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$115,800
Days to Sell
56
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 40737 can comfortably use conventional financing. The median home price of $115,800 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
40737's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 40737 can comfortably use conventional financing. The median home price of $115,800 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 40737 are set at the county level.
2026 Loan Limits — Laurel 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 40737
To purchase the median home at $115,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,037.
Monthly Payment
$1,037
Income Required
$44,452
Principal & Interest
$714/mo
Down Payment (5%)
$5,790
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 40737.
Estimated Monthly Payment
$867
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