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Louisville city, KY

ZIP 40213 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40213

Median Home Value
$169,000
Median Rent
$771
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,086/mo PITI).

15%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.3 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 40213 in Louisville city, KY, a household would need roughly $47,000 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 $1,086. That sits below the local median household income ($60,734), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.2%-0% vs US avg
x
Vacancy Rate
6.1%-41% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
16.2%+27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$169,000
Home Value
$771
Rent
1956
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 detached70.9%
  • 1-unit attached2.4%
  • 2-9 units14.5%
  • 10+ units10.6%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,000
Median rent$771
Owner-occupied65.2%
Vacant6.1%
Price-to-income2.8x
Est. income to buy$47,000