Rent, home values, family budgets, pay and taxes for the Louisville metro area, county by county.
Across the 10 counties in the metro with their own Zillow home value, the median typical home is worth $279,139. Values changed +1.9% over the past year and +24.4% over five years at the median county. A typical home costs 3.20 years of median family income at the median county.
With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $2,231 a month with tax, insurance and mortgage insurance, which takes $95,616 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 3 of the 10 counties, against 44.9% of counties nationally. Try it with your own income.
The most expensive counties in the metro are Oldham County, KY ($452,819), Spencer County, KY ($380,890) and Shelby County, KY ($329,483); the least expensive are Washington County, IN ($220,157), Henry County, KY ($252,314) and Harrison County, IN ($267,946).
The Economic Policy Institute prices what a modest but adequate standard of living costs in every county. In the median county of the metro, that comes to $47,813 a year for one adult and $101,653 for two adults and two children, of which $17,160 is childcare, against national averages of $47,367 and $101,771. Median family income is $92,512 in the median county.
Prices across Kentucky as a whole run 9.8% below the national average and rents 35.7% below the national average, by the Bureau of Economic Analysis's state measure. Median pay across all jobs in the state is $46,920 a year. Kentucky's top income tax rate on wages is 3.5%. These are statewide figures, not measured for the metro itself. The metro spans parts of Kentucky and Indiana. Compare a salary with another state or work out take-home pay.
| Bullitt County, KY | $298,368 | +0.7% | $1,547 | $90,615 | $101,394 |
| Clark County, IN | $268,165 | +2.0% | $1,276 | $84,880 | $103,408 |
| Floyd County, IN | $289,954 | +3.0% | $1,170 | $100,551 | $101,911 |
| Harrison County, IN | $267,946 | +4.1% | — | $94,408 | $97,454 |
| Henry County, KY | $252,314 | +1.0% | — | $77,934 | $100,963 |
| Jefferson County, KY | $268,324 | +1.0% | $1,369 | $88,392 | $110,679 |
| Oldham County, KY | $452,819 | +1.7% | $1,973 | $136,115 | $107,039 |
| Shelby County, KY | $329,483 | −0.6% | $1,624 | $97,901 | $100,782 |
| Spencer County, KY | $380,890 | +5.5% | — | $110,430 | $104,112 |
| Washington County, IN | $220,157 | +3.4% | — | $78,025 | $92,102 |
A dash means the source publishes no figure for that county. Metro membership follows Zillow's own county-to-metro assignment.
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Cost of living · Income tax · Child care costs
Metro areasLouisville, KY
Run the numbersTake-home pay in Kentucky · What a salary is worth in Kentucky · How much rent you can afford · What a car costs in Kentucky
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