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Louisville city, KY

ZIP 40210 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40210

Median Home Value
$93,400
Median Rent
$606
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$600/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 40210 in Louisville city, KY, a household would need roughly $26,000 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 $600. That sits below the local median household income ($35,841), 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

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (22% built before 1939)

Owner Occupied
41.2%-37% vs US avg
x
Vacancy Rate
20.2%+96% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
1.8%-88% vs US avg
x
Built Pre-1939
21.5%+68% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$93,400
Home Value
$606
Rent
1946
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached72.3%
  • 1-unit attached3.8%
  • 2-9 units11.7%
  • 10+ units12.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,400
Median rent$606
Owner-occupied41.2%
Vacant20.2%
Price-to-income2.6x
Est. income to buy$26,000