42567 — Lincoln County, Kentucky Market Snapshot
Housing market data for zip code 42567 in Lincoln County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$187,500
Days to Sell
93
Homes Sold
11
Inventory
17
Sale-to-List
97.5%
New Listings
17
Price/SqFt
$131
Pending Sales
16
Conforming Loan Available
Most homebuyers in 42567 can comfortably use conventional financing. The median home price of $187,500 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 93 days on average, 42567 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 42567 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42567 can comfortably use conventional financing. The median home price of $187,500 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 42567 are set at the county level.
2026 Loan Limits — Lincoln 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 42567
To purchase the median home at $187,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,587.
Monthly Payment
$1,587
Income Required
$67,996
Principal & Interest
$1,155/mo
Down Payment (5%)
$9,375
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 42567.
Estimated Monthly Payment
$1,310
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