40218 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40218 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
97 sales in 2026 (year to date)
Median Sale Price
$235,000
Days to Sell
44
Homes Sold
97
Inventory
55
Sale-to-List
98.7%
New Listings
100
Price/SqFt
$156
Pending Sales
110
Conforming Loan Available
Most homebuyers in 40218 can comfortably use conventional financing. The median home price of $235,000 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
40218's market is balanced with homes taking an average of 44 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 40218 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40218 can comfortably use conventional financing. The median home price of $235,000 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 40218 are set at the county level.
2026 Loan Limits — Jefferson 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 40218
To purchase the median home at $235,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,951.
Monthly Payment
$1,951
Income Required
$83,593
Principal & Interest
$1,448/mo
Down Payment (5%)
$11,750
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 40218.
Estimated Monthly Payment
$1,604
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 40218. Tell us what you're looking for.