42164 — Allen County, Kentucky Market Snapshot
Housing market data for zip code 42164 in Allen County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$220,500
Days to Sell
87
Homes Sold
42
Inventory
106
Sale-to-List
97.5%
New Listings
81
Price/SqFt
$158
Pending Sales
47
Conforming Loan Available
Most homebuyers in 42164 can comfortably use conventional financing. The median home price of $220,500 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 87 days on average, 42164 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 42164 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42164 can comfortably use conventional financing. The median home price of $220,500 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 42164 are set at the county level.
2026 Loan Limits — Allen 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 42164
To purchase the median home at $220,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,839.
Monthly Payment
$1,839
Income Required
$78,831
Principal & Interest
$1,359/mo
Down Payment (5%)
$11,025
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 42164.
Estimated Monthly Payment
$1,515
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