42104 — Warren County, Kentucky Market Snapshot
Housing market data for zip code 42104 in Warren County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
133 sales in 2026 (year to date)
Median Sale Price
$319,500
Days to Sell
112
Homes Sold
133
Inventory
209
Sale-to-List
97.6%
New Listings
164
Price/SqFt
$170
Pending Sales
166
Conforming Loan Available
Most homebuyers in 42104 can comfortably use conventional financing. The median home price of $319,500 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
With homes sitting for 112 days on average, 42104 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
The average home in 42104 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42104 can comfortably use conventional financing. The median home price of $319,500 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 42104 are set at the county level.
2026 Loan Limits — Warren 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 42104
To purchase the median home at $319,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,598.
Monthly Payment
$2,598
Income Required
$111,339
Principal & Interest
$1,969/mo
Down Payment (5%)
$15,975
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 42104.
Estimated Monthly Payment
$2,127
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