42544 — Russell County, Kentucky Market Snapshot
Housing market data for zip code 42544 in Russell County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$238,500
Days to Sell
58
Homes Sold
12
Inventory
53
Sale-to-List
97.7%
New Listings
39
Price/SqFt
$128
Pending Sales
22
Conforming Loan Available
Most homebuyers in 42544 can comfortably use conventional financing. The median home price of $238,500 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
42544's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 42544 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42544 can comfortably use conventional financing. The median home price of $238,500 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 42544 are set at the county level.
2026 Loan Limits — Russell 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 42544
To purchase the median home at $238,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,977.
Monthly Payment
$1,977
Income Required
$84,742
Principal & Interest
$1,470/mo
Down Payment (5%)
$11,925
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 42544.
Estimated Monthly Payment
$1,626
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