40031 — Oldham County, Kentucky Market Snapshot
Housing market data for zip code 40031 in Oldham County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$382,450
Days to Sell
45
Homes Sold
78
Inventory
74
Sale-to-List
98.6%
New Listings
114
Price/SqFt
$184
Pending Sales
103
Conforming Loan Available
Most homebuyers in 40031 can comfortably use conventional financing. The median home price of $382,450 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
40031's market is balanced with homes taking an average of 45 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 40031 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40031 can comfortably use conventional financing. The median home price of $382,450 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 40031 are set at the county level.
2026 Loan Limits — Oldham 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 40031
To purchase the median home at $382,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,080.
Monthly Payment
$3,080
Income Required
$132,009
Principal & Interest
$2,357/mo
Down Payment (5%)
$19,123
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 40031.
Estimated Monthly Payment
$2,517
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