Jefferson County, KY Average Home Price (2026)
The average home price in Jefferson County, Kentucky is about $262,000 (the 2026 median across 34 ZIP codes, at ~$171/sq ft) — 45% more expensive than the Kentucky median and 9% more affordable than the typical U.S. home.
How Jefferson County compares
Jefferson County is about average for housing nationally: its typical home costs $262,000 against $181,000 for Kentucky and $289,000 for the U.S. Within the county, ZIP-level values run from about $82,000 to $726,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $262,000 | $171 |
| Kentucky | $181,000 | $152 |
| United States | $289,000 | $193 |
Cities in Jefferson County
Cities with their own home-value page, largest first:
Jefferson County home prices by ZIP code
The 15 most valuable ZIP codes in Jefferson County (of 34 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 40025 Glenview | $726,000 | $382 | +177% |
| 40023 Louisville | $550,000 | $209 | +110% |
| 40245 Louisville | $486,000 | $192 | +85% |
| 40207 Louisville | $424,000 | $195 | +62% |
| 40241 Louisville | $415,000 | $173 | +58% |
| 40222 Louisville | $394,000 | $197 | +50% |
| 40205 Louisville | $385,000 | $206 | +47% |
| 40223 Louisville | $385,000 | $200 | +47% |
| 40202 Louisville | $346,000 | $294 | +32% |
| 40243 Louisville | $340,000 | $207 | +30% |
| 40299 Louisville | $340,000 | $177 | +30% |
| 40242 Louisville | $325,000 | $171 | +24% |
| 40291 Louisville | $307,000 | $170 | +17% |
| 40220 Louisville | $290,000 | $166 | +11% |
| 40206 Louisville | $285,000 | $202 | +9% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 78% over the last 10 years (≈6.0% a year) and +93.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $262,000 today was worth roughly $146,861 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Kentucky is +84.1% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $262,000 home in Jefferson County with 20% down, you need a household income of roughly $71,000 a year (about $1,660 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $85,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,100 | $2,070/mo | $89,000/yr |
| 10% (+PMI) | $26,200 | $1,980/mo | $85,000/yr |
| 20% | $52,400 | $1,660/mo | $71,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Jefferson County
At about $171 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 880 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1460 sq ft | around the typical home here |
| $300k | 1750 sq ft | around the typical home here |
| $400k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Kentucky.
Estimate a specific home in Jefferson County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Jefferson County home prices: frequently asked
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Browse all Kentucky cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.