42376 — Ohio County, Kentucky Market Snapshot
Housing market data for zip code 42376 in Ohio County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$287,450
Days to Sell
19
Homes Sold
16
Inventory
15
Sale-to-List
99.6%
New Listings
29
Price/SqFt
$162
Pending Sales
19
Conforming Loan Available
Most homebuyers in 42376 can comfortably use conventional financing. The median home price of $287,450 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
Homes in 42376 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 42376 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 42376 can comfortably use conventional financing. The median home price of $287,450 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 42376 are set at the county level.
2026 Loan Limits — Ohio 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 42376
To purchase the median home at $287,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,352.
Monthly Payment
$2,352
Income Required
$100,815
Principal & Interest
$1,771/mo
Down Payment (5%)
$14,373
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 42376.
Estimated Monthly Payment
$1,929
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