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Louisville/Jefferson County metro government (balance), KY

ZIP 40023 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40023

Median Home Value
$430,200
Median Rent
N/A
Affordability Snapshot
$118,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,763/mo PITI).

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

To comfortably buy a median-priced home in ZIP 40023 in Louisville/Jefferson County metro government (balance), KY, a household would need roughly $118,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,763. That sits below the local median household income ($135,863), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
97.1%+48% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
20.8%+41% vs US avg
x
Built Pre-1939
0.3%-98% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
25.5%-33% vs US avg
x
$430,200
Home Value
N/A
Rent
2005
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached97.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.9%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$430,200
Median rent$-666,666,666
Owner-occupied97.1%
Vacant4.0%
Price-to-income3.2x
Est. income to buy$118,000