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Louisville/Jefferson County metro government (balance), KY

ZIP 40258 — 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 40258

Median Home Value
$173,100
Median Rent
$932
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,112/mo PITI).

17%
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.

15.5 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 40258 in Louisville/Jefferson County metro government (balance), KY, a household would need roughly $48,000 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 $1,112. That sits below the local median household income ($66,263), 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
72.2%+10% vs US avg
x
Vacancy Rate
8.9%-14% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
3.0%-77% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
31.6%-36% vs US avg
x
Mortgage-Free
35.1%-8% vs US avg
x
$173,100
Home Value
$932
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached78.4%
  • 1-unit attached3.9%
  • 2-9 units12.6%
  • 10+ units3.1%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,100
Median rent$932
Owner-occupied72.2%
Vacant8.9%
Price-to-income2.6x
Est. income to buy$48,000