41139 — Greenup County, Kentucky Market Snapshot
Housing market data for zip code 41139 in Greenup County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$175,000
Days to Sell
42
Homes Sold
29
Inventory
18
Sale-to-List
96.0%
New Listings
32
Price/SqFt
$124
Pending Sales
34
Conforming Loan Available
Most homebuyers in 41139 can comfortably use conventional financing. The median home price of $175,000 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
41139's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 41139 sells for 4.0% below asking price (96.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 41139 can comfortably use conventional financing. The median home price of $175,000 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 41139 are set at the county level.
2026 Loan Limits — Greenup 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 41139
To purchase the median home at $175,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,491.
Monthly Payment
$1,491
Income Required
$63,891
Principal & Interest
$1,078/mo
Down Payment (5%)
$8,750
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 41139.
Estimated Monthly Payment
$1,233
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