Market Overview
Home Prices in Louisville, KY
The median home value in Louisville, KY is $267,770 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Louisville are priced35% below average. Louisville is part of the Louisville/Jefferson County, KY-IN metro area.
Over the past five years, Louisville home values have risen by approximately23.6%, reflecting strong long-term appreciation in this market.
Price History
Louisville Home Price Trend
City Comparison
Louisville vs. National Median
At $267,770, homes in Louisville cost 35% below the national median of $410,000. This makes Louisville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Louisville?
20% Down Payment
$53,554
on $267,770
Monthly P&I
$1,397/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,774/mo
incl. taxes & insurance
Income Needed
$70,960
gross annual (30% rule)
10% Down Option
$26,777
+ PMI applies
Loan Amount (20% dn)
$214,216
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Louisville, KY?
The median home value in Louisville is $267,770 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Louisville?
Over the past year, home values in Louisville have increased by 1.1%. Over five years, prices have risen approximately 23.6%.
How much do I need to earn to buy a home in Louisville?
To comfortably afford the median home price of $267,770 with a 20% down payment ($53,554) at today's rates (6.8%), you'd need a gross annual income of approximately $70,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Louisville compare to the national average home price?
The national median home value is approximately $410,000. At $267,770, homes in Louisville are 35% below the national average.
What metro area is Louisville part of?
Louisville is part of the Louisville/Jefferson County, KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.