40511 — Scott County, Kentucky Market Snapshot
Housing market data for zip code 40511 in Scott County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
136 sales in 2026 (year to date)
Median Sale Price
$349,000
Days to Sell
39
Homes Sold
136
Inventory
60
Sale-to-List
99.4%
New Listings
149
Price/SqFt
$182
Pending Sales
152
Conforming Loan Available
Most homebuyers in 40511 can comfortably use conventional financing. The median home price of $349,000 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
40511's market is balanced with homes taking an average of 39 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 40511 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 40511 can comfortably use conventional financing. The median home price of $349,000 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 40511 are set at the county level.
2026 Loan Limits — Scott 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 40511
To purchase the median home at $349,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,824.
Monthly Payment
$2,824
Income Required
$121,026
Principal & Interest
$2,150/mo
Down Payment (5%)
$17,450
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 40511.
Estimated Monthly Payment
$2,310
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