40057 — Henry County, Kentucky Market Snapshot
Housing market data for zip code 40057 in Henry 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
$242,950
Days to Sell
48
Homes Sold
10
Inventory
7
Sale-to-List
101.0%
New Listings
15
Price/SqFt
$126
Pending Sales
17
Conforming Loan Available
Most homebuyers in 40057 can comfortably use conventional financing. The median home price of $242,950 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
40057's market is balanced with homes taking an average of 48 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 40057 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40057 can comfortably use conventional financing. The median home price of $242,950 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 40057 are set at the county level.
2026 Loan Limits — Henry 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 40057
To purchase the median home at $242,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,011.
Monthly Payment
$2,011
Income Required
$86,203
Principal & Interest
$1,497/mo
Down Payment (5%)
$12,148
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 40057.
Estimated Monthly Payment
$1,654
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