40965 — Bell County, Kentucky Market Snapshot
Housing market data for zip code 40965 in Bell County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$189,500
Days to Sell
95
Homes Sold
17
Inventory
44
Sale-to-List
93.9%
New Listings
34
Price/SqFt
$119
Pending Sales
24
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $189,500 median-priced home in 40965 is $180,025. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 40965 is 95 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 40965 is 93.9%, or 6.1% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $189,500 median-priced home in 40965 is $180,025. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 40965 are set at the county level.
2026 Loan Limits — Bell 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 40965
To purchase the median home at $189,500 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,677.
Monthly Payment
$1,677
Income Required
$71,867
Principal & Interest
$1,168/mo
Property Tax
$284/mo
Home Insurance
$150/mo
Estimated PMI
$75/mo
Down Payment (5%)
$9,475
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 40965.
Estimated Monthly Payment
$1,323
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 40965. Tell us what you're looking for.