40223 — Jefferson County, Kentucky Market Snapshot
Housing market data for zip code 40223 in Jefferson County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$417,000
Days to Sell
52
Homes Sold
66
Inventory
61
Sale-to-List
99.2%
New Listings
98
Price/SqFt
$173
Pending Sales
89
Conforming Loan Available
Most homebuyers in 40223 can comfortably use conventional financing. The median home price of $417,000 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
40223's market is balanced with homes taking an average of 52 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 40223 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40223 can comfortably use conventional financing. The median home price of $417,000 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 40223 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 40223
To purchase the median home at $417,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,345.
Monthly Payment
$3,345
Income Required
$143,354
Principal & Interest
$2,569/mo
Down Payment (5%)
$20,850
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 40223.
Estimated Monthly Payment
$2,731
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