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Louisville city, KY

ZIP 40211 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40211

Median Home Value
$97,900
Median Rent
$633
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$629/mo PITI).

23%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

12.9 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 40211 in Louisville city, KY, a household would need roughly $27,000 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 $629. That sits below the local median household income ($32,598), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
41.5%-37% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
77.4%-11% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
15.2%+19% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
43.9%+15% vs US avg
x
$97,900
Home Value
$633
Rent
1948
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 detached74.2%
  • 1-unit attached4.2%
  • 2-9 units13.0%
  • 10+ units8.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,900
Median rent$633
Owner-occupied41.5%
Vacant20.9%
Price-to-income3.0x
Est. income to buy$27,000