41056 — Fleming County, Kentucky Market Snapshot
Housing market data for zip code 41056 in Fleming County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$192,000
Days to Sell
47
Homes Sold
10
Inventory
14
Sale-to-List
98.7%
New Listings
16
Price/SqFt
$102
Pending Sales
9
Conforming Loan Available
Most homebuyers in 41056 can comfortably use conventional financing. The median home price of $192,000 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
41056's market is balanced with homes taking an average of 47 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 41056 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 41056 can comfortably use conventional financing. The median home price of $192,000 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 41056 are set at the county level.
2026 Loan Limits — Fleming 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 41056
To purchase the median home at $192,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,621.
Monthly Payment
$1,621
Income Required
$69,473
Principal & Interest
$1,183/mo
Down Payment (5%)
$9,600
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 41056.
Estimated Monthly Payment
$1,338
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