| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $312,000 | -1.6% YoY |
| Median price per sq ft | $178 | 1,755 sq ft median |
| Median days on market | 45 | +12% YoY |
| Active listings | 4,412 | +27% YoY |
| New listings this month | 1,898 | September 2026 |
| Listings with a price cut | 25% | Share of active |
| Median sale price (closed) | $300,000 | +3.5% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 98.1% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 46.5% | 2,052 pending |
| Inventory vs 2019 | 106% | Active listings vs same month in 2019 |
| Gross rental yield | 4.8% | 2BR fair market rent |
Secondary metropolitan market · Kentucky · September 2026 data
What is the Louisville, KY real estate market doing?
As of September 2026, the median home listed in Louisville, KY asks $312,000, down 1.6% year over year. Homes spend a median of 45 days on market, with 4,412 active listings and 25% carrying a price cut; pending contracts equal 46% of active listings, and inventory sits at 106% of the same month in 2019 — a balanced market. Estimated gross rental yield on the median listing is 4.8%. Figures come from public records and industry data, updated monthly.
Median listing price
$312,000
▼ 1.6% YoY
Median $ / sq ft
$178
1,755 sq ft median
Median days on market
45
September 2026
Active listings
4,412
For sale now
New listings
1,898
September 2026
Listings with price cuts
25%
Share of active
Inventory vs 2019
106%
Same month, 2019 = 100
Pending / active
46%
Contract activity
Median sale price (closed)
$300,000
▲ 3.5% YoY · closed sales · July 2026
Sale-to-list ratio
98.1%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
1,407
Closed sales · July 2026, seasonally adjusted
What is the Louisville, KY housing market doing right now?
The Louisville, KY housing market lists at a $312,000 median as of September 2026, down 1.6% year over year, with a 45-day median market time and 4,412 homes for sale (25% with a price cut). Active inventory is 106% of the 2019 level, reading as a balanced market under WealthyBud's published buyer/seller rule. Gross rental yield is about 4.8%.
Louisville housing market statistics
The table summarizes Louisville's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Louisville.
How have home prices changed in Louisville?
Louisville home prices are down 1.6% year over year and -0.9% month over month as of September 2026, at a $312,000 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Louisville KY · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Louisville KY · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Louisville?
Louisville has 4,412 active listings, 1,898 new this month, 2,052 pending as of September 2026. About 25% of active listings have cut their price, and inventory sits at 106% of its 2019 level — a balanced market by pace.
Is Louisville a good real estate investment?
Louisville scores 53/100 on WealthyBud's composite Investor Score, ranking #387 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
53/100
#387 of 933 covered metros
Price volatility
Low
σ 4.0% · 20-yr price-index swings
Louisville scores 53/100 on our composite Investor Score (#387 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 45% over five years and +88% over ten, leaving prices 51% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,248/mo for a two-bedroom, the gross rental yield on the median listing is about 4.8%; active inventory sits at 106% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are down 1.6% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Louisville ranks on the trending markets index.
How much is a monthly mortgage payment in Louisville?
A home at Louisville's $312,000 median listing runs about $1,708 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,542/mo
−$166/mo vs today
At today's rate · 7.28%
$1,708/mo
National weekly average
If rates rise 1% · 8.28%
$1,880/mo
+$173/mo vs today
Principal & interest on the $312,000 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Louisville?
To buy Louisville’s $312,000 median listing with 20% down, a household needs about $82,000 a year in gross income, keeping principal, interest and property tax ($1,918/mo) at 28% of income. That is 1.1× the area’s $71,737 median household income, so a typical Louisville household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $312,000 | September 2026 |
| Down payment (20%) | $62,400 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,708/mo | Rate as of 2026-10-01 |
| Property tax (0.81% effective rate) | $211/mo | Census ACS |
| Income needed (28% rule) | $82,000 | Gross household income / yr |
| Median household income | $71,737 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Louisville housing market?
Longer-run demand in Louisville shows up in 6,111 homes permitted in 2025; net migration of -454 residents; -0.1% job growth. Natural-hazard risk rates Relatively High. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
6,111
▲ 5.9% vs 2024
4.5 per 1,000 residents
Net migration (2022–2023)
-454
▼ people, via tax-return records
net income flow −$184.4M/yr
Job growth (YoY)
-0.1%
▼ 712.7k nonfarm jobs · August 2026
Natural-hazard risk
Relatively High
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
What is the latest Louisville real estate news?
More homes, steadier prices shape Louisville housing marketSpectrum News · 2026-07-02→Louisville Sees 33% Surge in Homes on Market as Sellers Flood Back InRealtor.com · 2026-06-14→Louisville housing market sees surging inventory and steady prices this SpringThe Lane Report · 2026-04-22→Get the Facts: Is now the time to buy or sell a home in Louisville?WLKY · 2026-03-10→
Louisville's housing market is currently characterized by increasing inventory and steady prices. — AI-generated summary of the headlines above; read the linked coverage before relying on it.
Headlines collected 2026-07-05; each links to the original publisher.
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Louisville by ZIP code
Median price, pace and inventory for 30 Louisville ZIPs — the spread behind the metro number.
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The highest-producing real estate agents in Louisville, ranked by recent sales.
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Hours, exam and the commission that regulates Kentucky agents.
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What real estate agents actually earn across Kentucky.
ReadLouisville housing market FAQ
What is the median home price in Louisville?
As of September 2026, the median listing price in Louisville, KY is $312,000, down 1.6% year over year (source: public records and industry data).
How much does it cost to buy a home in Louisville?
The median home listed in Louisville asks $312,000 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,708 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Louisville?
The median property in Louisville spends 45 days on the market, with 4,412 homes actively listed and 25% of them carrying a price cut — a balanced market as of September 2026.
Is it a buyer's or seller's market in Louisville?
With a median 45 days on market and 25% of active listings carrying a price cut, pending contracts at 46% of active listings, Louisville reads as a balanced market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Louisville a good place to invest in real estate?
Louisville scores 53/100 on WealthyBud's Investor Score, ranking #387 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Louisville?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Louisville and the wider Kentucky market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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