2405 Elmore St · Louisville/Jefferson County metro government (balance), KY 40216

$130,000

3 bd · 2.0 ba · 1,216 sqft · SingleFamily · 97 Days on market

Built 1955 6,969 sqft lot Est $204k · 36% under ↓ 9% since listing

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.8/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +5.2/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

Key facts

• 6,969 sq ft lot
• Garage
• Built 1955

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $179 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $118k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 4.0% in Louisville/Jefferson County metro government (balance) — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Jefferson County (urban): math 19% / reading 35% proficiency, ranked #121 of 165 in KY (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents flat; 210 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 2,836 units permitted in Jefferson County in 2024 (1,558 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Jefferson County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $118,300 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.02% ✓
• Cap rate: 7.95%
• Cash-on-cash: 5.91%
• DSCR: 1.26
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $204,288
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5001 Graston Ave	0.16mi	3/1.0	1,262 (+4%)	2mo	$145,000	$115	80
4704 Quinn Dr	0.49mi	3/2.0	1,245 (+2%)	2mo	$250,000	$201	72
4706 Quinn Dr	0.49mi	3/2.0	1,245 (+2%)	4mo	$250,000	$201	70
2515 Briargate Ave	0.23mi	3/1.0	1,080 (-11%)	1mo	$206,000	$191	66
4801 Dyer Ave	0.26mi	3/1.0	1,080 (-11%)	1mo	$180,000	$167	64
2310 Thomas Ave	0.26mi	3/1.0	1,075 (-12%)	2mo	$120,000	$112	63
4929 Determine Ln	0.20mi	3/1.0	1,050 (-14%)	3mo	$170,000	$162	61
2613 Alva Dr	0.22mi	3/1.0	1,050 (-14%)	3mo	$205,000	$195	60
2407 Omaha Ln	0.27mi	3/1.0	1,050 (-14%)	4mo	$222,000	$211	58
4930 Fielding Way	0.41mi	3/1.0	1,365 (+12%)	3mo	$230,000	$168	54
4622 Kiefer Rd	0.70mi	4/1.0 (+1)	1,243 (+2%)	6mo	$207,500	$167	50
2604 Elmhurst Ave	0.36mi	2/1.0 (-1)	1,378 (+13%)	4mo	$95,000	$69	48

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.57% rent growth · sell at horizon

5-year hold

• IRR: -9.9%
• Equity multiple: 0.65×
• Total profit: $-12,798
• Equity at exit: $19,383

10-year hold

• IRR: -4.1%
• Equity multiple: 0.76×
• Total profit: $-8,765
• Equity at exit: $11,240

Cash invested: $36,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Kentucky: 83 Strongly Landlord-Friendly · R+16
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit (URLTA cities); generally landlord-friendly.

Methodology + full state rankings →

ZIP-level market 40216

• Rents YoY: 0.6%
• Active inventory: 210
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,321 high
• Mortgage (P&I): −$682
• Tax from tax record: −$128 /mo · $1,540/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $179

Break-even live

Break-even rent $1,094

Max offer price $130,000

Occupancy floor 81%

Sensitivity live

Price	-10% $253	-5% $216	+0% $179	+5% $143	+10% $106
Rent	-10% $75	-5% $127	+0% $179	+5% $232	+10% $284
Rate	-1.0pp $245	-0.5pp $212	base $179	+0.5pp $146	+1.0pp $111

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2304 Rockford Ln Louisville, KY	3.0	1.5	1400	$1,620	$1.16	24d	1	0.36mi
2001 Rockford Ln Unit RKFD-07 Louisville, KY	2.0	1.0	800	$1,050	$1.31	4d	1	0.65mi
1625 Brick Kiln Ln Apt 2 Louisville, KY	2.0	1.0	750	$900	$1.20	18d	1	0.77mi
1623 Brick Kiln Ln Unit 1 Louisville, KY	2.0	1.0	860	$900	$1.05	24d	1	0.79mi
1602 Clover St Louisville, KY	2.0	1.5	867	$1,060	$1.22	2d	5	0.83mi
4902 Saddlebrook Ln Unit 3 Louisville, KY	2.0	1.0	800	$899	$1.12	24d	1	0.86mi
4904 Saddlebrook Ln Unit 4 Louisville, KY	2.0	1.0	725	$765	$1.06	24d	1	0.86mi
4911 Saddlebrook Ln Apt 3 Louisville, KY	2.0	1.0	800	$949	$1.19	24d	1	0.90mi
4700 Walnut Grove Ave Unit 1 Louisville, KY	2.0	1.0	900	$799	$0.89	24d	1	0.92mi
5700 Bruns Dr Louisville, KY	2.0–3.0	2.0	1118	$1,264	$1.13	12d	1	0.96mi
1837 Lower Hunters Trce Louisville, KY	3.0	1.0	1335	$1,850	$1.39	4d	1	0.99mi
4414 Tara Gale Ct Louisville, KY	3.0	1.5	1000	$1,450	$1.45	4d	1	1.03mi
4330 Bayberry Dr Louisville, KY	3.0	1.0	1134	$1,395	$1.23	24d	1	1.07mi
1840 Kendall Ln Apt 25 Louisville, KY	2.0	1.0	952	$1,250	$1.31	24d	1	1.07mi
1836 Kendall Ln Louisville, KY	2.0	1.0	870	$1,150	$1.32	3d	1	1.09mi
1836 Kendall Ln Louisville, KY	2.0	1.0	870	$1,150	$1.32	24d	1	1.09mi
5629 Fox Horn Cir Louisville, KY	1.0–2.0	1.0–2.0	1092	$1,145	$1.05	2d	8	1.11mi
3107 Melody Acres Ln Unit 4 Louisville, KY	2.0	1.0	750	$825	$1.10	18d	1	1.13mi
4403 Savage Dr Louisville, KY	4.0	2.0	1325	$2,065	$1.56	24d	1	1.16mi
1509 Sharon Dr Louisville, KY	3.0	1.0	1200	$1,500	$1.25	17d	1	1.24mi
3204 Melody Acres Ln Unit 3202-3 Louisville, KY	2.0	1.0	750	$950	$1.27	24d	1	1.25mi
1632 Stafford Ave Louisville, KY	3.0	1.0	1152	$1,450	$1.26	17d	1	1.28mi
3219 Wilkie Rd Louisville, KY	2.0	1.0	725	$1,350	$1.86	11d	1	1.29mi
6701 Crawford Crossing Pl Unit 104 Louisville, KY	2.0	2.0	900	$1,025	$1.14	24d	1	1.29mi
4810 Guy Dr Louisville, KY	3.0	1.0	925	$1,800	$1.95	24d	1	1.36mi
4203 Searcy Dr Louisville, KY	3.0	2.0	980	$1,550	$1.58	17d	1	1.38mi
3222 Patricia Dr Louisville, KY	3.0	1.0	936	$1,590	$1.70	2d	1	1.40mi

Listing history 23 events

1. 2023-11-13
   status Pending
2. 2023-08-30
   status Pending 650-char remark

   Show marketing remark (650 chars)

   This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

3. 2023-08-25
   soldstatus $135,000
4. 2023-08-23
   soldstatus $135,000 Closed 639-char remark

   Show marketing remark (639 chars)

   Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

5. 2023-08-23
   soldstatus $135,000 Closed

   Show marketing remark (639 chars)

   Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

6. 2023-08-15
   historical 650-char remark

   Show marketing remark (650 chars)

   This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

7. 2023-08-02
   historical
8. 2023-07-29
   status Pending

   Show marketing remark (639 chars)

   Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

9. 2023-07-29
   status Pending 639-char remark

   Show marketing remark (639 chars)

   Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

10. 2023-07-27
    listed $130,000 Active 639-char remark

    Show marketing remark (639 chars)

    Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

11. 2023-07-27
    listed $130,000 Active

    Show marketing remark (639 chars)

    Adorable 3 bedroom 2 bath home on quiet Elmore St which is waiting for its new owners to continue with making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for gatherings and entertaining with 2 family rooms, the beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

12. 2023-01-20
    status Pending 650-char remark

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

13. 2023-01-20
    status Pending

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

14. 2023-01-18
    status Active 650-char remark

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

15. 2023-01-18
    status Active

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

16. 2023-01-18
    price $130,000 650-char remark

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

17. 2023-01-18
    price $130,000

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

18. 2022-12-24
    status Pending
19. 2022-12-21
    historical 650-char remark

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

20. 2022-09-19
    listed $148,000 Active

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

21. 2022-09-19
    price $145,000

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

22. 2022-09-19
    price $148,000

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

23. 2022-09-19
    listed $145,000 650-char remark

    Show marketing remark (650 chars)

    This adorable 3 bedroom 2 bath home on quiet Elmore St is waiting for its new owners to continue on making amazing memories much like the previous owners did with their family. With 3 good size bedrooms and 2 baths this home checks all the boxes. This home is perfect for those family gatherings and entertaining with 2 family rooms, that beautiful front yard complete with white picket fence and a back yard that will make it the place for all to gather. Added to our list of must have's is your 1.5 car detached garage and a completely fenced yard. All of this is and more is a must-see before it gets snatched up! Schedule your private tour today.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast KY · Resets to sale price

• Current annual tax: $1,540 · $128/mo
• Projected year-2 tax: $1,540 · $128/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (shaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,852
• − Mortgage interest: −$7,282
• − Property taxes: −$1,540
• − Insurance: −$650
• − Repairs & maintenance: −$1,268
• − Management: −$1,268
• − Depreciation: −$3,782
• Taxable income: $62
• Est. tax owed @ 24.0%: −$15
• After-tax cash flow: $2,137/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Jefferson County
• NCES district ID: 2102990
• Math proficiency: 19% ▼ -17.00%
• Reading proficiency: 35% ▼ -11.00%
• Median HH income: $47,885
• Composite: 23.45/100
• National rank: #7884
• State rank: #121 of 165 in KY

Livability — Louisville/Jefferson County metro government (balance)

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Louisville/Jefferson County metro government (balance), KY
• County: Jefferson County · 790,184 people
• City population: 419,741
• Metro: Louisville/Jefferson County, KY-IN
• Population (ZIP): 44,047
• Household income: $56,441
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 1434.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 823,112 people
• By 2030: 849,343 · +3.2%
• By 2040: 895,696 · +8.8%
• By 2050: 933,630 · +13.4%
• By 2075: 1,028,262 · +24.9%
• By 2100: 1,072,675 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: Black 45% White 43% Hispanic / Latino 6% Two or more races 6% Asian 1%
• Hispanic origin (detail): Mexican 2% Cuban 3%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 7% French/Haitian/Cajun 1% Arabic 1%

Political lean MEDSL · Jefferson

• 2024 margin: D (+16.6) · D 57.4% · R 40.9% · Other 1.7%
• 2008→2024 swing: +4.5pp toward D · 2008: 12.0pp · 2024: 16.6pp
• All cycles: 2024: D+16.6 2020: D+20.1 2016: D+13.3 2012: D+11.1 2008: D+12.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -234.72%
• Current HPI: 269.5447
• Rent YoY: ▲ 0.57%
• Metro: Louisville/Jefferson County, KY-IN
• State GDP YoY: ▲ 1.81%
• F500 in state: 4

Industry mix (Fortune 500 HQ in KY)

Industry	F500 HQs	Revenue
▸Healthcare	1	$118B
▸Food / Beverage	1	$7B

Price history

-8.8% since first listed

23 events — show timeline

• 2023-11-13 Pending — Metro Search MLS
• 2023-08-30 Pending — HKARMLS
• 2023-08-25 Sold (Public Records) $135,000 Public Records
• 2023-08-23 Sold (MLS) $135,000 HKARMLS
• 2023-08-23 Sold (MLS) $135,000 Metro Search MLS
• 2023-08-15 Delisted — HKARMLS
• 2023-08-02 Delisted — HKARMLS
• 2023-07-29 Pending — HKARMLS
• 2023-07-29 Pending — Metro Search MLS
• 2023-07-27 Listed $130,000 HKARMLS
• 2023-07-27 Listed $130,000 Metro Search MLS
• 2023-01-20 Pending — HKARMLS
• 2023-01-20 Pending — Metro Search MLS
• 2023-01-18 Relisted — HKARMLS
• 2023-01-18 Relisted — Metro Search MLS
• 2023-01-18 Price Changed $130,000 HKARMLS
• 2023-01-18 Price Changed $130,000 Metro Search MLS
• 2022-12-24 Pending — Metro Search MLS
• 2022-12-21 Delisted — HKARMLS
• 2022-09-19 Listed $145,000 HKARMLS
• 2022-09-19 Price Changed $148,000 Metro Search MLS
• 2022-09-19 Price Changed $145,000 Metro Search MLS
• 2022-09-19 Listed $148,000 Metro Search MLS

Property tax history

+12.8%/yr

Latest (2025): $1,540 · -2.1% YoY. Source: county tax records.