Louisville, KY home prices
Typical home $278,562 · +1.5% in a year · income needed $77,300
The Louisville, KY metro area ranks 369 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.5% in a year and +22.3% over five years. With 20% down at 7.11%, the typical home costs about $1,805 a month including 0.72% property tax.
Mortgage on the typical Louisville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,712 | $222,850 | $1,499 | $0 | $306 | $1,805 | $77,300 |
| 10% down | $27,856 | $250,706 | $1,687 | $104 | $306 | $2,097 | $89,900 |
| 5% down | $13,928 | $264,634 | $1,780 | $110 | $306 | $2,196 | $94,100 |
| 3.5% down (FHA) | $9,750 | $273,517 | $1,840 | $123 | $306 | $2,269 | $97,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
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Frequently asked questions
How much is a house in Louisville?
The typical home in the Louisville, KY metro area is worth $278,562 (Zillow, September 2026).
What salary do you need to buy a house in Louisville?
About $77,300 a year for the typical home with 20% down at 7.11%.