42748 — Hardin County, Kentucky Market Snapshot
Housing market data for zip code 42748 in Hardin County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$216,500
Days to Sell
92
Homes Sold
15
Inventory
24
Sale-to-List
96.8%
New Listings
27
Price/SqFt
$125
Pending Sales
17
Conforming Loan Available
Most homebuyers in 42748 can comfortably use conventional financing. The median home price of $216,500 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 92 days on average, 42748 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 42748 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42748 can comfortably use conventional financing. The median home price of $216,500 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 42748 are set at the county level.
2026 Loan Limits — Hardin 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 42748
To purchase the median home at $216,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,809.
Monthly Payment
$1,809
Income Required
$77,518
Principal & Interest
$1,334/mo
Down Payment (5%)
$10,825
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 42748.
Estimated Monthly Payment
$1,490
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