40022 — Shelby County, Kentucky Market Snapshot
Housing market data for zip code 40022 in Shelby 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 Shelby County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$752,250
Days to Sell
162
Homes Sold
2
Inventory
1
Conforming Loan Available
The median home in 40022 at $752,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 162 days on average, 40022 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 40022 at $752,250 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 40022 are set at the county level.
2026 Loan Limits — Shelby 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 40022
To purchase the median home at $752,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,914.
Monthly Payment
$5,914
Income Required
$253,436
Principal & Interest
$4,635/mo
Down Payment (5%)
$37,613
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 40022.
Estimated Monthly Payment
$4,806
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