Louisville - KY housing market
The Louisville metro has a typical home value of $278,562, up 1.5% from a year ago. Homes are moving fast at 18 days on market, a strong seller's market. 33% of listings have had a price cut. Data from Zillow Research, updated monthly.
Louisville housing market, October 2026
The typical Louisville home is worth $278,562 as of September 2026, up 0.0% from the prior month, up 0.2% over three months, and up 1.5% from a year ago. Over the past two years values have ranged from $265,305 to $278,887.
Homes are going pending in about 18 days, slower than the 10 days seen three months earlier. There are roughly 5,430 homes for sale, 17% more than a year ago. 33.4% of listings have taken a price cut (up from 29.2% three months ago).
Typical rent is $1,339 a month, up 2.0% year over year, which puts the price-to-rent ratio at 17.3.
At this week's 7.32% mortgage rate with 20% down ($55,712), the typical Louisville home costs about $1,879 a month including tax and insurance, which needs a household income of roughly $80,500 to stay under a 28% payment-to-income ratio.
Income needed to buy assumes 20% down, a 30-year fixed mortgage at 7.32% (Freddie Mac weekly average), property tax at 1.1% and insurance at 0.4% of value per year, and a 28% payment-to-income cap. Local taxes and insurance vary; treat it as a comparison figure across metros, not a lender's answer. All metros ranked →
How to read this data
The typical home value ($278,562) is the Zillow Home Value Index for the Louisville - KY metro area: a smoothed, seasonally adjusted estimate of the typical value for middle-tier homes (33rd to 67th percentile) across single-family and condo properties.
Prices are up 1.5% over the past year. In Louisville - KY, that means a home worth $274,445 last year is now worth roughly $278,562.
The median sale price, what homes actually close for, is $266,291. Homes are selling at 98.5% of list price, meaning buyers have room to negotiate.
Homes listed in Louisville - KY sit on the market for roughly 18 days before going pending. Shorter = seller's market; longer = buyer's market.
About 33.4% of current listings have had at least one price cut. High price-cut shares signal sellers are adjusting expectations downward.
Roughly 1,780 new listings hit the market each month in Louisville - KY. There are currently 5,430 homes for sale, up 16.7% from a year ago.
The typical monthly rent in Louisville - KY is $1,339, up 2.0% year over year. On the Rent vs Buy Index that is a price-to-rent ratio of 17.3x, toss-up (#89 of 195 metros). The mortgage on a typical home here, 20% down at today's 7.32% 30-year rate, runs about $1,531 a month in principal and interest, $192 more than renting before taxes, insurance and upkeep. The two break even at a 6.02% rate.
What's not on this page
This is market-level data, not property-level. We don't list individual homes for sale. For that, go to Zillow, Redfin, or your local MLS.
Data: Zillow Research (ZHVI and market indicators), refreshed monthly at the source. This page was rebuilt October 2026. Methodology →
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Other metros in KY
| Metro | Home value | 1-yr change | Days on market |
|---|---|---|---|
| Lexington - KY | $324,999 | +3.3% | 16.0d |