42743 — Adair County, Kentucky Market Snapshot
Housing market data for zip code 42743 in Adair County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$157,000
Days to Sell
41
Homes Sold
12
Inventory
16
Sale-to-List
92.1%
New Listings
19
Price/SqFt
$108
Pending Sales
13
Conforming Loan Available
Most homebuyers in 42743 can comfortably use conventional financing. The median home price of $157,000 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
42743's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 42743 sells for 7.9% below asking price (92.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42743 can comfortably use conventional financing. The median home price of $157,000 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 42743 are set at the county level.
2026 Loan Limits — Adair 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 42743
To purchase the median home at $157,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,353.
Monthly Payment
$1,353
Income Required
$57,981
Principal & Interest
$967/mo
Down Payment (5%)
$7,850
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 42743.
Estimated Monthly Payment
$1,122
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