41129 — Lawrence County, Kentucky Market Snapshot
Housing market data for zip code 41129 in Lawrence County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$158,500
Days to Sell
40
Homes Sold
17
Inventory
22
Sale-to-List
95.4%
New Listings
24
Price/SqFt
$109
Pending Sales
25
Conforming Loan Available
Most homebuyers in 41129 can comfortably use conventional financing. The median home price of $158,500 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
41129's market is balanced with homes taking an average of 40 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 41129 sells for 4.6% below asking price (95.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 41129 can comfortably use conventional financing. The median home price of $158,500 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 41129 are set at the county level.
2026 Loan Limits — Lawrence 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 41129
To purchase the median home at $158,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,364.
Monthly Payment
$1,364
Income Required
$58,473
Principal & Interest
$977/mo
Down Payment (5%)
$7,925
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 41129.
Estimated Monthly Payment
$1,131
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