40383 — Woodford County, Kentucky Market Snapshot
Housing market data for zip code 40383 in Woodford County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$353,250
Days to Sell
35
Homes Sold
62
Inventory
70
Sale-to-List
97.9%
New Listings
101
Price/SqFt
$187
Pending Sales
91
Conforming Loan Available
Most homebuyers in 40383 can comfortably use conventional financing. The median home price of $353,250 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
40383's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 40383 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 40383 can comfortably use conventional financing. The median home price of $353,250 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 40383 are set at the county level.
2026 Loan Limits — Woodford 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 40383
To purchase the median home at $353,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,856.
Monthly Payment
$2,856
Income Required
$122,421
Principal & Interest
$2,177/mo
Down Payment (5%)
$17,663
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 40383.
Estimated Monthly Payment
$2,336
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