40008 — Nelson County, Kentucky Market Snapshot
Housing market data for zip code 40008 in Nelson 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
$239,500
Days to Sell
37
Homes Sold
11
Inventory
14
Sale-to-List
99.1%
New Listings
15
Price/SqFt
$187
Pending Sales
12
Conforming Loan Available
Most homebuyers in 40008 can comfortably use conventional financing. The median home price of $239,500 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
40008's market is balanced with homes taking an average of 37 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 40008 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40008 can comfortably use conventional financing. The median home price of $239,500 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 40008 are set at the county level.
2026 Loan Limits — Nelson 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 40008
To purchase the median home at $239,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,985.
Monthly Payment
$1,985
Income Required
$85,070
Principal & Interest
$1,476/mo
Down Payment (5%)
$11,975
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 40008.
Estimated Monthly Payment
$1,632
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