$103,900
2836 Garfield Ave
Louisville, KY
2 bd2 ba1,046 sqft$99/ft²
House3,920 sqft lot
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Sarah Mitchell
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Compass Real Estate · Louisville, KY
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Louisville, KY(512) 555-0184TX License #0512847
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Louisville, KY Housing Market
Seller's market-0.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Louisville, KY is worth $263,130, held roughly flat 0.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $275,000, +4.6% year over year (through May 2026). With 2.6 months of supply and homes going under contract in about 38 days, Louisville is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $263,130 home is about $1,405/mo in principal and interest.
Key numbers for Louisville, KY
Typical home value
$263,130
-0.1% in 12 months
Zillow, August 2026
Typical asking rent
$1,353/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$275,000
+4.6% year over year
Redfin, through May 2026
Days on market
38
Average pace
Redfin, through May 2026
Active listings
2,159
2.6 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Sale-to-list ratio
98.5%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Louisville a buyer's or seller's market?
Seller's market2.6 months of supply38 days on market98.5% of asking
Louisville, KY is a seller's market, based on 2.6 months of supply and homes selling in about 38 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Louisville housing market data show?
Every row below is Redfin's final published month for Louisville, KY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $275,000 |
| Median list price | $297,500 |
| Year-over-year price change | +4.6% |
| Median price per sq ft | $169/sq ft |
| Median days on market | 38 days |
| Active inventory | 2,159 listings |
| Months of supply | 2.6 months |
| Sale-to-list price ratio | 98.5% |
| Homes sold (that month) | 834 |
| New listings (that month) | 1,126 |
| Listings with a price cut | 28.0% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Louisville is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Louisville is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Louisville home prices moved?
Over the last three years the median sale price in Louisville, KY rose 13.8%, from $241,625 to $275,000. The live Zillow value series has held roughly flat 0.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 28.0% of Louisville listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.6 months while the sale-to-list ratio slips below its current 98.5%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Louisville?
Priced off the typical home value of $263,130 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $52,626 | $210,504 | $1,405/mo |
| 5% | $13,157 | $249,974 | $1,668/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,405, that implies roughly $60,203 a year before you add taxes and insurance. We do not hold a Census income figure for Louisville, so we cannot compare that threshold to local earnings.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Louisville in the next 12 months?
Tell us your timeline. We send the Louisville market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Louisville?
Typical asking rent in Louisville, KY is $1,353/mo, against a typical home value of $263,130. That is a price-to-rent ratio of 16.2x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Compared head to head, 20% down puts principal and interest at $1,405 a month — $52 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Louisville?
Active listings in Louisville, KY went from 1,746 in May 2025 to 2,159 in May 2026, a +23.7% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 1,826 | 1,042 |
| July 2025 | 1,988 | 1,135 |
| August 2025 | 1 | 1 |
| September 2025 | 2,063 | 1,009 |
| October 2025 | 2,136 | 1,022 |
| November 2025 | 2,059 | 729 |
| December 2025 | 1,811 | 523 |
| January 2026 | 2 | 1 |
| February 2026 | 1,870 | 731 |
| March 2026 | 1,918 | 1,032 |
| April 2026 | 2,072 | 1,149 |
| May 2026 | 2,159 | 1,126 |
Redfin, through May 2026
How does Louisville compare to Kentucky and the U.S.?
Louisville homes sell for $275,000 — 3% below the Kentucky median of $284,400. Against the national median of $410,700, Louisville runs 33% lower. Year-over-year, Louisville moved +4.6% against Kentucky's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Louisville, KY | $275,000 | +4.6% | 38 days |
| Kentucky statewide | $284,400 | +2.3% | 45 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Louisville
What buyers should watch
- Months of supply, currently 2.6. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 28.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $263 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $263,130 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Louisville listing goes under contract in 38 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.5% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Louisville added 1,126 new listings against 834 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -0.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Louisville varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Louisville
There are currently 2,159 homes listed for sale in Louisville, Kentucky. The median listing price is $298K. Featured listings range from $103,900 to $749,990.
$129,900
3664 Kahlert Ave
Louisville, KY
2 bd1 ba850 sqft$153/ft²
House5,227 sqft lot
View photos & details
$150,000
216 N 38th St
Louisville, KY
3 bd1 ba1,008 sqft$149/ft²
House7,405 sqft lot
View photos & details
$185,000
8602 Gary Way
Louisville, KY
3 bd1 ba925 sqft$200/ft²
House6,970 sqft lot
View photos & details
$257,700
2714 Hillside Ter
Louisville, KY
2 bd1 ba950 sqft$271/ft²
House3,485 sqft lot
View photos & details
$289,000
1949 Payne St
Louisville, KY
2 bd2 ba1,296 sqft$223/ft²
House3,485 sqft lot
View photos & details
$324,999
1937 Bonnycastle Ave
Louisville, KY
2 bd1 ba1,018 sqft$319/ft²
House2,614 sqft lot
View photos & details
$336,000
8717 Warbler Branch Way
Louisville, KY
3 bd3 ba2,280 sqft$147/ft²
House6,098 sqft lot
View photos & details
$400,000
1304 Holsworth Ln
Louisville, KY
3 bd3 ba3,082 sqft$130/ft²
House10,019 sqft lot
View photos & details
$400,000
6811 Beckingham Blvd
Louisville, KY
4 bd3 ba2,670 sqft$150/ft²
House5,663 sqft lot
View photos & details
$524,900
7311 Brook Meadow Dr
Louisville, KY
5 bd3 ba3,462 sqft$152/ft²
House10,454 sqft lot
View photos & details
$749,990
8618 Nottingham Pkwy
Louisville, KY
4 bd4 ba3,188 sqft$235/ft²
House11,326 sqft lot
View photos & details
Looking to buy in Louisville?
Get connected with a local real estate expert — free, no obligation.
Active listings
2,159
Homes on market
Median list price
$298K
Avg. days on market
38
Days until sale
New this week
1,126
Newly listed
Price drops:28.0%of listings
Sale-to-list:98.5%
How much do homes cost in Louisville by property type?
How the Louisville, KY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $280,000 | $170/sq ft | 721 | 35 days |
| Condo / co-op | $225,000 | $168/sq ft | 100 | 52 days |
| Townhouse | $220,000 | $143/sq ft | 11 | 74 days |
Which public schools serve Louisville?
50 schools tracked · 49,405 students
The largest public schools serving Louisville, KY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Ballard High
Grades 9-12 · 2,033 students
Marion C. Moore School
Grades 6-12 · 2,031 students
duPont Manual High
Grades 9-12 · 1,922 students
Louisville Male High
Grades 9-12 · 1,904 students
Pleasure Ridge Park High
Grades 9-12 · 1,615 students
Fern Creek High
Grades 9-12 · 1,588 students
Southern High
Grades 9-12 · 1,540 students
Atherton High
Grades 9-12 · 1,496 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Louisville, KY?
Ordered by distance from Louisville, not by size. Compare Louisville side by side with any of them.
Louisville housing market FAQ
Is Louisville a buyer's or seller's market?
Louisville, KY is currently a seller's market. That read comes from 2.6 months of supply, homes going under contract in about 38 days, and sellers getting 98.5% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Louisville?
The typical home in Louisville, KY is worth $263,130 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $275,000, about $169 per square foot.
Is Louisville cheaper than the rest of Kentucky?
Louisville's median sale price of $275,000 is 3% lower than the Kentucky statewide median of $284,400, and 33% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Louisville?
Homes in Louisville, KY spent a median of 38 days on market before going under contract, versus 45 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Louisville?
At the current 30-year fixed rate of 7.03%, 20% down on a $263,130 home is about $1,405 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $60,203 a year before taxes, insurance, HOA dues or mortgage insurance.
Are home prices rising in Louisville?
The typical home value in Louisville, KY held roughly flat 0.1% over the last 12 months, from $263,510 to $263,130 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Louisville?
Louisville ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Louisville?
That depends on your timeline, not on a headline. What the data says today: Louisville, KY is a seller's market with 2.6 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 16.2x means buying and renting land close enough together that the decision turns on how long you stay and your down payment. Properties Incorporated publishes the data; it does not give financial advice.
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