2225 Osage Ave · Louisville, KY
Flood risk 6/10 · Moderate
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.72%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $839 – $1,559
Heat risk 5/10 · Moderate
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A 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 +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Appreciation +10.0/10.0
- Rent growth +4.5/5.0
- Livability +3.2/5.0
- Condition / age +2.2/5.0
- Schools +1.3/10.0
$78,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Home being sold "AS-IS". cute 4 bedroom/1 bath bungalow with newer roof, gutters, soffits, new windows, new front and back exterior doors, offered as a single or as a package with 3 other properties. Would make a perfect long term investment property.
Key facts
- Newer roof
- New windows
- 4,657 sq ft lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.0-bath single-family listed at $78k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $564 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $78k).
- Recommended offer: $71k (9.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 63/100 on livability (#333 in KY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, health & safety D+, crime F.
- 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.
- Zoned schools: Wheatley Elementary (math 2% / reading 8%, grade F, #670 of 676 statewide, top 100%, 318 students, 84% FRL); Western Middle School For The Arts (math 9% / reading 41%, grade F, #184 of 217 statewide, top 87%, 650 students, 60% FRL); Seneca High (math 8% / reading 17%, grade F, #228 of 254 statewide, top 91%, 1,309 students, 64% FRL).
- Zoned-school proficiency averages 14% at this address vs 27% district-wide (-13 pts) — the specific schools serving this property underperform the Jefferson County average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising fast (+8.1%/yr); 143 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 77d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,836 units permitted in Jefferson County in 2024 (1,558 in 5+ unit buildings).
Forward outlook
- In year one you build about $8k of equity ($539 loan paydown + $8k appreciation (10.0% local appreciation)).
- Jefferson County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (10.0% appreciation + 8.0% rent growth), your $22k cash investment doubles in ~2 years — after that, you're playing with house money.
- By year 5, paydown + projected appreciation supports a ~$39k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 113 days — a 9% lower offer ($71k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 22y ago; this cycle's ask has dropped $7k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 113 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- 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.
- 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.
- 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
- 1.72% ✓
- Cap rate
- 14.96%
- Cash-on-cash
- 30.97%
- DSCR
- 2.38
- GRM
- 4.9
CMA / ARV
- ARV (median comp)
- $115,491
- List price
- $78,000
- Delta
- -32.46%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 2240 Grand Ave | 0.06mi | 3/1.0 (-1) | 1,090 (+7%) | 2mo | $69,815 | $64 | 79 |
| 2615 Greenwood Ave | 0.34mi | 3/1.0 (-1) | 988 (-3%) | 6mo | $71,000 | $72 | 69 |
| 1725 Wilson Ave | 0.53mi | 3/1.0 (-1) | 1,048 (+3%) | 2mo | $40,000 | $38 | 64 |
| 848 S 23rd St | 0.39mi | 3/2.0 (-1) | 1,029 (+1%) | 10mo | $64,750 | $63 | 63 |
| 1601 Prentice St | 0.58mi | 3/1.0 (-1) | 1,009 (-1%) | 4mo | $93,999 | $93 | 63 |
| 1552 W Saint Catherine St | 0.58mi | 3/1.0 (-1) | 960 (-6%) | 1mo | $28,000 | $29 | 57 |
| 1320 S 17th St | 0.60mi | 3/2.0 (-1) | 1,003 (-2%) | 6mo | $118,000 | $118 | 55 |
| 2108 Bolling Ave | 0.69mi | 3/1.0 (-1) | 1,011 (-1%) | 10mo | $52,000 | $51 | 53 |
| 1628 Dumesnil St | 0.54mi | 4/1.5 | 1,123 (+10%) | 10mo | $125,000 | $111 | 48 |
| 1528 Wilson Ave | 0.73mi | 3/1.0 (-1) | 1,096 (+8%) | 5mo | $80,000 | $73 | 44 |
| 1331 S 28th St | 0.57mi | 3/1.5 (-1) | 1,152 (+13%) | 9mo | $60,000 | $52 | 37 |
| 1532 W Breckinridge St | 0.73mi | 3/1.0 (-1) | 1,142 (+12%) | 6mo | $120,000 | $105 | 36 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 50.9%
- Equity multiple
- 4.91×
- Total profit
- $85,447
- Equity at exit
- $70,269
- IRR
- 46.6%
- Equity multiple
- 12.03×
- Total profit
- $240,905
- Equity at exit
- $151,537
Cash invested: $21,840 (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
Active competition Active MLS
- For sale now
- 26 active · 17 under contract
- Months of supply
- 11.1 mo (9%/mo absorbed)
- Median asking
- $102,450 ($95/sqft)
- Median days on market
- 90 d
- This list price
- 23% of active listings are priced below it
- ARV vs active asking
- +19.6% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 40210
- Home prices YoY
- 12.1%
- Rents YoY
- 8.1%
- Active inventory
- 143
- Price-to-rent
- 4.9×
Monthly cashflow live
- Estimated rent
- $1,339 high interval (Pro) →
- Mortgage (P&I)
- −$409
- Tax from tax record
- −$52 /mo · $627/yr
- Insurance
- −$32
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$281
- Net cashflow
- $564
Break-even live
Sensitivity live
| Price | -10% $608 | -5% $586 | +0% $564 | +5% $542 | +10% $520 |
|---|---|---|---|---|---|
| Rent | -10% $458 | -5% $511 | +0% $564 | +5% $617 | +10% $669 |
| Rate | -1.0pp $603 | -0.5pp $583 | base $564 | +0.5pp $543 | +1.0pp $523 |
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
- $19,500
- Closing costs
- $2,340
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2117 Osage Ave Louisville, KY | 3.0 | 1.0 | 1100 | $1,460 | $1.33 | 67d | 1 | 0.10mi |
| 2416 Garland Ave Louisville, KY | 3.0 | 2.0 | 1172 | $1,600 | $1.37 | 119d | 1 | 0.32mi |
| 1821 Date St Louisville, KY | 3.0 | 1.0 | 1222 | $1,375 | $1.13 | 58d | 1 | 0.35mi |
| 1821 Date St Louisville, KY | 3.0 | 1.0 | 1222 | $1,275 | $1.04 | 10d | 1 | 0.35mi |
| 1821 Date St Louisville, KY | 3.0 | 1.0 | 1222 | $1,275 | $1.04 | 3d | 1 | 0.35mi |
| 1821 Date St Louisville, KY | 3.0 | 1.0 | 1222 | $1,275 | $1.04 | 0d | 1 | 0.35mi |
| 848 S 23rd St Louisville, KY | 3.0 | 1.5 | 1050 | $1,450 | $1.38 | 119d | 1 | 0.36mi |
| 1303 S 26th St Louisville, KY | 3.0 | 1.0 | 1000 | $1,200 | $1.20 | 10d | 1 | 0.36mi |
| 2702 Hale Ave #2 Louisville, KY | 3.0 | 1.0 | 1030 | $995 | $0.97 | 82d | 1 | 0.39mi |
| 1705 1/2 Hale Ave Louisville, KY | 3.0 | 2.0 | 1257 | $1,350 | $1.07 | 10d | 1 | 0.39mi |
| 1148 S 17th St Unit 2 Louisville, KY | 3.0 | 1.0 | 1000 | $750 | $0.75 | 74d | 1 | 0.40mi |
| 2702 Greenwood Ave Apt 4 Louisville, KY | 3.0 | 1.0 | 1023 | $995 | $0.97 | 88d | 1 | 0.40mi |
| 2702 Greenwood Ave Apt 3 Louisville, KY | 3.0 | 1.0 | 1023 | $995 | $0.97 | 74d | 1 | 0.40mi |
| 2223 Saint Louis Ave Louisville, KY | 3.0 | 1.5 | 1152 | $1,175 | $1.02 | 119d | 1 | 0.40mi |
| 2706 Hale Ave Unit 1 Louisville, KY | 3.0 | 1.0 | 1100 | $1,400 | $1.27 | 119d | 1 | 0.40mi |
| 1038 S 17th St Louisville, KY | 3.0 | 1.0 | 1235 | $1,095 | $0.89 | 10d | 1 | 0.41mi |
| 2717 Hale Ave Louisville, KY | 3.0 | 1.0 | 1152 | $1,245 | $1.08 | 10d | 1 | 0.41mi |
| 2702 W Kentucky St #1 Louisville, KY | 3.0 | 1.0 | 1015 | $1,060 | $1.04 | 10d | 1 | 0.43mi |
| 2725 Hale Ave Louisville, KY | 3.0 | 1.0 | 1341 | $1,279 | $0.95 | 0d | 1 | 0.43mi |
| 2725 Hale Ave Louisville, KY | 3.0 | 1.0 | 1341 | $1,395 | $1.04 | 74d | 1 | 0.43mi |
| 2710 W Kentucky St Apt 2 Louisville, KY | 3.0 | 1.0 | 1015 | $1,110 | $1.09 | 82d | 1 | 0.44mi |
| 2634 Garland Ave Unit B Louisville, KY | 3.0 | 1.0 | 1152 | $870 | $0.76 | 93d | 1 | 0.45mi |
| 2634 Garland Ave Unit A Louisville, KY | 3.0 | 1.0 | 1152 | $915 | $0.79 | 93d | 1 | 0.45mi |
| 1723 W Kentucky St #4 Louisville, KY | 3.0 | 1.0 | 1150 | $1,300 | $1.13 | 5d | 1 | 0.46mi |
| 1723 W Kentucky St Unit 3 Louisville, KY | 3.0 | 1.0 | 1200 | $1,250 | $1.04 | 85d | 1 | 0.46mi |
| 2711 W Kentucky St Louisville, KY | 3.0 | 1.0 | 1155 | $1,100 | $0.95 | 119d | 1 | 0.46mi |
| 1644 W Kentucky St Unit 3 Louisville, KY | 3.0 | 1.0 | 900 | $950 | $1.06 | 119d | 1 | 0.49mi |
| 1155 S 28th St Unit 4 Louisville, KY | 4.0 | 2.0 | 1010 | $1,350 | $1.34 | 119d | 1 | 0.50mi |
| 1638 W Kentucky St Louisville, KY | 2.0–3.0 | 1.0 | 900 | $975 | $1.08 | 82d | 2 | 0.50mi |
| 1616 Gallagher St Louisville, KY | 3.0 | 1.5 | 1056 | $1,400 | $1.33 | 10d | 1 | 0.52mi |
| 1410 Standard Village Cir Louisville, KY | 3.0 | 2.0 | 1200 | $900 | $0.75 | 119d | 1 | 0.53mi |
| 2817 Greenwood Ave #2 Louisville, KY | 3.0 | 1.0 | 1181 | $1,175 | $0.99 | 0d | 1 | 0.54mi |
| 2821 Greenwood Ave #1 Louisville, KY | 3.0 | 1.0 | 1113 | $1,300 | $1.17 | 119d | 1 | 0.55mi |
| 2825 Greenwood Ave #4 Louisville, KY | 3.0 | 1.0 | 1440 | $1,250 | $0.87 | 119d | 1 | 0.56mi |
| 2820 Divinity Ln Unit 2824 Louisville, KY | 3.0 | 1.5 | 1152 | $1,390 | $1.21 | 5d | 1 | 0.58mi |
| 2122 Standard Ave Louisville, KY | 3.0 | 1.0 | 1025 | $1,350 | $1.32 | 7d | 1 | 0.59mi |
| 1339 S 28th St Unit 3 Louisville, KY | 3.0 | 1.0 | 1125 | $1,125 | $1.00 | 76d | 1 | 0.60mi |
| 2008 Standard Ave Louisville, KY | 3.0 | 2.0 | 1422 | $1,475 | $1.04 | 10d | 1 | 0.61mi |
| 2912 Greenwood Ave Louisville, KY | 3.0 | 2.0 | 1362 | $1,150 | $0.84 | 111d | 1 | 0.61mi |
| 2913 Dumesnil St Apt 3 Louisville, KY | 3.0 | 1.0 | 1112 | $715 | $0.64 | 93d | 1 | 0.65mi |
Property features AI
Finance
- Other
- Subdivision: HARRIS
- HOA & community
- No association fee
Exterior
- Parking
- No parking provided
- Utilities
- Electricity connected
- Home design
- Traditional single-family residenceTwo storiesBuilt in 1915
- Construction
- Aluminum siding exteriorShingle roofPoured concrete foundation
- Exterior features
- Level lot
Interior
- Kitchen
- Kitchen on the first floor
- Bedrooms
- Four bedrooms totalTwo bedrooms on the first floorTwo bedrooms on the second floorPrimary bedroom on the first floor
- Bathrooms
- One full bathroomNo half bathroom
- Heating & cooling
- Forced air heatingNatural gas heating
- Interior features
- Six total roomsUnfinished basement
- Laundry & utility
- No first-floor laundry
Listing history 50 events
-
2026-09-23days on market $78,000 Active 113 DOM
-
2026-09-22days on market $78,000 Active 112 DOM
-
2026-09-21days on market $78,000 Active 111 DOM
-
2026-09-20days on market $78,000 Active 110 DOM
-
2026-09-19days on market $78,000 Active 109 DOM
-
2026-09-18days on market $78,000 Active 108 DOM
-
2026-09-17days on market $78,000 Active 107 DOM
-
2026-09-16days on market $78,000 Active 106 DOM
-
2026-09-15days on market $78,000 Active 105 DOM
-
2026-09-14days on market $78,000 Active 104 DOM
-
2026-09-13days on market $78,000 Active 103 DOM
-
2026-09-12days on market $78,000 Active 102 DOM
-
2026-09-11days on market $78,000 Active 101 DOM
-
2026-09-05days on market $78,000 Active 95 DOM
-
2026-09-04days on market $78,000 Active 94 DOM
-
2026-09-03days on market $78,000 Active 93 DOM
-
2026-08-31days on market $78,000 Active 90 DOM
-
2026-08-30days on market $78,000 Active 89 DOM
-
2026-08-29days on market $78,000 Active 88 DOM
-
2026-08-28days on market $78,000 Active 87 DOM
-
2026-08-27days on market $78,000 Active 86 DOM
-
2026-08-25days on market $78,000 Active 84 DOM
-
2026-08-24days on market $78,000 Active 83 DOM
-
2026-08-23days on market $78,000 Active 82 DOM
-
2026-08-22days on market $78,000 Active 81 DOM
-
2026-08-21days on market $78,000 Active 80 DOM
-
2026-08-20days on market $78,000 Active 79 DOM
-
2026-08-19days on market $78,000 Active 78 DOM
-
2026-08-18days on market $78,000 Active 77 DOM
-
2026-08-17pricedays on market $78,000 Active 76 DOM
-
2026-08-16days on market $80,000 Active 75 DOM
-
2026-08-15days on market $80,000 Active 74 DOM
-
2026-08-14days on market $80,000 Active 73 DOM
-
2026-08-13days on market $80,000 Active 72 DOM
-
2026-08-12days on market $80,000 Active 71 DOM
-
2026-08-11days on market $80,000 Active 70 DOM
-
2026-08-10days on market $80,000 Active 69 DOM
-
2026-08-09days on market $80,000 Active 68 DOM
-
2026-08-08days on market $80,000 Active 67 DOM
-
2026-08-07days on market $80,000 Active 66 DOM
-
2026-08-06days on market $80,000 Active 65 DOM
-
2026-08-05days on market $80,000 Active 64 DOM
-
2026-08-04pricedays on market $80,000 Active 63 DOM
-
2026-08-03days on market $82,000 Active 62 DOM
-
2026-07-31days on market $82,000 Active 59 DOM
-
2026-07-30days on market $82,000 Active 57 DOM
-
2026-07-28days on market $82,000 Active 56 DOM
-
2026-07-26days on market $82,000 Active 54 DOM
-
2026-07-24days on market $82,000 Active 52 DOM
-
2026-07-23days on market $82,000 Active 51 DOM
ⓘ 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
- $627 · $52/mo
- Projected year-2 tax
- $671 · $56/mo
- Expected delta
- +$44/yr (+$4/mo · 7.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 6/10 Major FEMA zone X (shaded) · 72% 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 100% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,063
- − Mortgage interest
- −$4,369
- − Property taxes
- −$627
- − Insurance
- −$390
- − Repairs & maintenance
- −$1,285
- − Management
- −$1,285
- − Depreciation
- −$2,269
- Taxable income
- $5,837
- Est. tax owed @ 24.0%
- −$1,401
- After-tax cash flow
- $5,363/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.
Condition & rehab AI · 9 photos
This home requires moderate repairs and maintenance to improve its condition and value. Painting the exterior and interior, and replacing the flooring would significantly enhance its curb appeal and living space.
Deferred maintenance Est. $80,000–$240,000 screening
- Major Roof (roof) — No roof visible in photos
- Major Hvac (hvac) — No HVAC unit visible in photos
- Major Water_heater (water heater) — No water heater visible in photos
- Major Windows (windows) — No windows visible in photos
- Major Electrical (electrical) — No electrical panel visible in photos
- Major Plumbing (plumbing) — No plumbing fixtures visible in photos
- Major Exterior (exterior) — No exterior walls or siding visible in photos
- Major Other — No other components visible in photos
Repairs flagged
- Minor Painted exterior — Slight wear
- Moderate Flooring — Worn hardwood
- Minor Interior walls — Some wear
Value-add opportunities
- Both Paint exterior — Enhances curb appeal and value ↑
- Both Replace flooring — Improves living space and value ↑
- Both Paint interior walls — Enhances interior appearance and value ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
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
- Score
- 63/100
- State rank
- #333
- US rank
- #15887
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Louisville, KY
- County
- Jefferson County · 823,112 people
- City population
- 769,292
- Metro
- Louisville/Jefferson County, KY-IN
- Population (ZIP)
- 13,518
- Household income
- $35,347
- Rent vs Own
- Severe rent burden
- 8% of renters
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
- Predominantly Black (84%)
- Race & ethnicity
- Black 84% White 8% Two or more races 5% Hispanic / Latino 3%
- Common ancestry
- Iranian 1%
- Foreign-born
- 4% · Canada
- Languages at home
- 93% English-only · Spanish 3%
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
- ▲ 28.45%
- Current HPI
- 264.0146
- Rent YoY
- ▲ 8.05%
- 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 |
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| Food / Beverage | 1 | $7B |
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Price history
+10.8% since first listed7 events — show timeline
- 2026-07-02 Price Changed $83,000 Metro Search MLS
- 2026-06-23 Price Changed $84,000 Metro Search MLS
- 2026-06-01 Listed $85,000 Metro Search MLS
- 2005-07-22 Listing Removed — Metro Search MLS
- 2004-12-22 Listed $64,900 Metro Search MLS
- 2004-12-22 Listing Removed — Metro Search MLS
- 2004-07-28 Listed $74,900 Metro Search MLS
Property tax history
+5.6%/yrLatest (2025): $627 · -1.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…