40245 — Oldham County, Kentucky Market Snapshot
Housing market data for zip code 40245 in Oldham County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
126 sales in 2026 (year to date)
Median Sale Price
$499,500
Days to Sell
43
Homes Sold
126
Inventory
119
Sale-to-List
99.1%
New Listings
207
Price/SqFt
$175
Pending Sales
173
Conforming Loan Available
Most homebuyers in 40245 can comfortably use conventional financing. The median home price of $499,500 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
40245's market is balanced with homes taking an average of 43 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 40245 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40245 can comfortably use conventional financing. The median home price of $499,500 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 40245 are set at the county level.
2026 Loan Limits — Oldham 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 40245
To purchase the median home at $499,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,977.
Monthly Payment
$3,977
Income Required
$170,443
Principal & Interest
$3,078/mo
Down Payment (5%)
$24,975
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 40245.
Estimated Monthly Payment
$3,241
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