All Reports Housing Affordability Louisville MSA • August 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

 Quick Summary

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Housing AffordabilityLouisville MSAAugust 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
August 2026
39.6%
Year-over-year change
+4%
Compared to 38.0% last year
Difference from state
-7%
Compared to 42.6% in Indiana
View source and notes...

Last update: Sept. 8, 2026, 3:06 p.m. Source: IAR Data Warehouse / American Community Survey Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
August 2026
31.8%
Year-over-year change
-6%
Compared to 33.8% last year
Difference from state
-14%
Compared to 36.9% in Indiana
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.m. Source: IAR Data Warehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$64,248
Year-over-year change
+3%
Compared to $62,234 last year
Difference from state
+4%
Compared to $61,915 in Indiana
View source and notes...

Last update: Sept. 8, 2026, 3:06 p.m. Source: American Community Survey and Bureau of Labor Statistics Employment Cost Index Data notes: The most recent income measure from the American Community Survey is adjusted by two-year change in the Employment Cost Index to adjust to current dollars. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
August 2026
$2,122
Year-over-year change
+4%
Compared to $2,033 last year
Difference from state
-4%
Compared to $2,199 in Indiana
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.m. Source: IAR Datawarehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Median Sale Price

3-Month Rolling Median
August 2026
$275,000
Year-over-year change
+4%
Compared to $265,125 last year
Difference from state
-4%
Compared to $285,000 in Indiana
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.m. Source: IAR Data Warehouse Data notes: - Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Sales

Closed Sales by Price

12-month rolling total
All properties, August 2026
4,282
+3%
Under $250K
1,829
-4%
At Least $250K
2,453
+9%
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Supply

New Listings by Price

12-month rolling total
All properties, August 2026
6,499
+10%
Under $250K
2,425
+2%
At Least $250K
4,074
+15%
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.

Inventory by Price

Average daily inventory in latest month
All properties, August 2026
1,043
+32%
Under $250K
339
+24%
At Least $250K
704
+36%
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Louisville MSA includes Clark County, Floyd County, Harrison County, Scott County, Washington County.