42001 — McCracken County, Kentucky Market Snapshot
Housing market data for zip code 42001 in McCracken County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
111 sales in 2026 (year to date)
Median Sale Price
$236,000
Days to Sell
60
Homes Sold
111
Inventory
102
Sale-to-List
96.8%
New Listings
134
Price/SqFt
$139
Pending Sales
121
Conforming Loan Available
Most homebuyers in 42001 can comfortably use conventional financing. The median home price of $236,000 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
With homes sitting for 60 days on average, 42001 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 42001 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42001 can comfortably use conventional financing. The median home price of $236,000 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 42001 are set at the county level.
2026 Loan Limits — McCracken 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 42001
To purchase the median home at $236,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,958.
Monthly Payment
$1,958
Income Required
$83,921
Principal & Interest
$1,454/mo
Down Payment (5%)
$11,800
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 42001.
Estimated Monthly Payment
$1,611
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