40004 — Nelson County, Kentucky Market Snapshot
Housing market data for zip code 40004 in Nelson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
106 sales in 2026 (year to date)
Median Sale Price
$289,950
Days to Sell
69
Homes Sold
106
Inventory
113
Sale-to-List
98.2%
New Listings
148
Price/SqFt
$180
Pending Sales
157
Conforming Loan Available
Most homebuyers in 40004 can comfortably use conventional financing. The median home price of $289,950 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
With homes sitting for 69 days on average, 40004 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 40004 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40004 can comfortably use conventional financing. The median home price of $289,950 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 40004 are set at the county level.
2026 Loan Limits — Nelson 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 40004
To purchase the median home at $289,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,636
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,498
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 40004.
Estimated Monthly Payment
$1,944
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