42101 — Warren County, Kentucky Market Snapshot
Housing market data for zip code 42101 in Warren County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
176 sales in 2026 (year to date)
Median Sale Price
$268,000
Days to Sell
113
Homes Sold
176
Inventory
266
Sale-to-List
97.4%
New Listings
230
Price/SqFt
$171
Pending Sales
218
Conforming Loan Available
Most homebuyers in 42101 can comfortably use conventional financing. The median home price of $268,000 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
With homes sitting for 113 days on average, 42101 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 42101 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 42101 can comfortably use conventional financing. The median home price of $268,000 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 42101 are set at the county level.
2026 Loan Limits — Warren 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 42101
To purchase the median home at $268,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,203.
Monthly Payment
$2,203
Income Required
$94,428
Principal & Interest
$1,651/mo
Down Payment (5%)
$13,400
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 42101.
Estimated Monthly Payment
$1,809
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