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City · 5,474 residents · Jefferson County, Kentucky

Douglass Hills , Kentucky

In Douglass Hills, a typical home is worth $346,300 and typical rent is $1,353 a month. Compared with all of Jefferson County, the typical home value is 39% higher, typical rent is 18% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $346,300

    39% above the county

    68% above Kentucky

    • Douglass Hills
    • Jefferson
    • Kentucky

  • Typical rent

    $1,353a month

    18% above the county

    40% above Kentucky

    • Douglass Hills
    • Jefferson
    • Kentucky

  • Typical household income

    $78,482a year

    12% above the county

    23% above Kentucky

    • Douglass Hills
    • Jefferson
    • Kentucky

  • Households that own their home

    82%

    20 points above the county

    14 points above Kentucky

    • Douglass Hills
    • Jefferson
    • Kentucky

Source: U.S. Census Bureau, Average 2020–2024

Douglass Hills is in Jefferson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Douglass Hills apart

What this place has that others do not, from public data, most unusual first.

  1. Douglass Hills has the 3rd smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (24%).

  2. 82% of households in Douglass Hills own their home, against 62% in Jefferson County.

  3. The typical home in Douglass Hills is worth $346,300, 39% more than in Jefferson County as a whole ($248,400).

  4. Nearby, in Louisville/Jefferson County metro government, the typical home value is $233,900: 32% less than in Douglass Hills ($346,300).

  5. Nearby, in Louisville/Jefferson County metro government, the typical rent is $1,120: 17% less than in Douglass Hills ($1,353).

  6. The typical rent in Douglass Hills is $1,353 a month, 18% more than in Jefferson County as a whole ($1,149).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Douglass Hills

What homes there are in Douglass Hills, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Douglass Hills: 64% of homes, near the figure in Jefferson County (64%).

Year built

Homes in Douglass Hills are newer: the typical year built is 1976; in Jefferson County, 1972.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,855 a month

Jefferson County: $1,593 a month

Without a mortgage

$606 a month

Jefferson County: $608 a month

Owners with a mortgage

64%

Jefferson County: 64%

The typical cost for an owner with a mortgage in Douglass Hills is $1,855 a month, more than in Jefferson County ($1,593); without one, $606.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Douglass Hills rose 35% since 2015–2019, less than in Jefferson County (46%).

Since 2015–2019, the typical rent in Douglass Hills rose 22%, less than in Jefferson County (32%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDouglass HillsJefferson CountyKentuckyUnited States
Rental vacancy Unreliable estimate6.3%4.6%5.5%
Homeowner vacancy Unreliable estimate0.9%0.9%0.9%
More than one person per room Unreliable estimate2.0%2.0%3.4%
People per household 2.022.322.432.53
Drive alone 78%72%77%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 16%14%10%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Douglass Hills are smaller: 2.02 people on average; in Jefferson County, 2.32.

To get to work, 78% of workers in Douglass Hills drive alone; in Jefferson County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Douglass Hills?

A typical home costs more than the typical income allows

We start with a typical home in Douglass Hills, worth $346,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Douglass Hills, which is $78,482 a year. For that payment to be 28% of income, a household would need to earn about $120,868 a year.

The calculator's FHA and conventional loan limits are those of all of Jefferson County.

Your numbers

Local data
$

Starts at the typical home value in Douglass Hills. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,121 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,820

at 7.18% · 30 years

Loan amount
$340,027
Total interest
$489,219
Paid off in
November 2056

Includes $5,848 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,831 a month

  • Tight

    $1,831 to $2,354 a month

  • Hard

    more than $2,354 a month

    Your payment · 43%

Compared with the typical household income in Douglass Hills ($78,482 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,820
Principal & interest$2,303
Property tax$219
Home insurance$144
FHA mortgage insurance (MIP)$153

You need at least $12,121 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Douglass Hills and Jefferson County

Douglass Hills is in Jefferson County, Kentucky. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Douglass Hills's own numbers

Typical home value
$346,300
Typical monthly rent
$1,353
Typical yearly household income
$78,482
Households that own their home
82%
Effective property tax rate
0.76%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,276
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
1.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Douglass Hills

A typical home in Douglass Hills is worth $346,300: 39% above the county and 68% above Kentucky. With the typical household income in Douglass Hills ($78,482 a year), a typical home costs 4.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Douglass Hills 4.4 years
  • Jefferson 3.6 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 78% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jefferson County.

Period County Kentucky U.S.
Last year (2025) +4.0% +3.9% +2.9%
5 years (2020–2025) +43% +50% +47%
10 years (2015–2025) +78% +84% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Douglass Hills next to Jefferson County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Douglass Hills $346,300
  • Jefferson $248,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Douglass Hills $1,353
  • Jefferson $1,149
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Douglass Hills $78,482
  • Jefferson $69,866
  • Kentucky $63,726
  • United States $80,734
See the full table
Douglass Hills next to Jefferson County and Kentucky
Measure Douglass Hills Jefferson County Kentucky U.S.
Typical home value $346,300 $248,400 $205,600 $332,700
Typical monthly rent $1,353 $1,149 $967 $1,413
Typical yearly household income $78,482 $69,866 $63,726 $80,734
Households that own their home 82% 62% 68% 65%
Typical yearly property tax $2,641 $2,136 $1,544 $3,119
Effective property tax rate 0.76% 0.86% 0.75% 0.94%
Renters with high rent for their income 24% 47% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Douglass Hills

For a typical $346,300 home in Douglass Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Douglass Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,820a month

    Least cash to close
    Down payment
    $12,121
    Cash to close
    $22,510
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $153

  • Conventional, 5% down $2,757a month

    Down payment
    $17,315
    Cash to close
    $27,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $164

  • Conventional, 20% down, no PMI $2,240a month

    Down payment
    $69,260
    Cash to close
    $79,649
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,561a month

    Down payment
    $51,945
    Cash to close
    $62,334
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Douglass Hills and for Jefferson County.

Property tax

Effective rate in Douglass Hills

0.76%of the home’s value each year

$2,641 a year for the typical owner in Douglass Hills.

  • Douglass Hills 0.76%
  • Jefferson 0.86%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Jefferson County

FEMA does not publish these numbers by city: they are for all of Jefferson County.

Homes in the high-risk zone
1.9%
4,595
Of those, with NFIP insurance
53%
County Kentucky U.S.
Homes in the high-risk zone 1.9% 3.5% 3.5%
Of those, with NFIP insurance 53% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Douglass Hills

Typical rent in Douglass Hills is $1,353 a month: 18% above the county. In Douglass Hills, 24% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,276 a month) without spending more than 30% of your income, you would need to earn $24.54 an hour working full time.

HUD fair market rent for all of Jefferson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $976 $18.77 $39,040
1 bedroom $1,058 $20.35 $42,320
2 bedrooms $1,276 $24.54 $51,040
3 bedrooms $1,629 $31.33 $65,160
4 bedrooms $1,874 $36.04 $74,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Douglass Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Douglass Hills has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,480 in 40243 to $1,660 in 40223.

2 of the 2 are above the fair market rent for Jefferson County ($1,276).

  • 40223 $1,660$2,120
  • 40243 $1,480$1,890

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Douglass Hills when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Douglass Hills

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Jefferson County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Douglass Hills

No down payment, repair or rent-help program on our list is for Douglass Hills or Jefferson County. The ones below are statewide in Kentucky: they work in Douglass Hills the same as in the rest of the state.

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Douglass Hills

The HUD-approved agencies closest to the center of Douglass Hills, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Apprisen - CCCS of the Midwest - Louisville

    10200 Linn Station Rd, Louisville · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • The Housing Partnership, Inc

    1405 W Broadway Unit 101, Louisville · 12 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (502) 585-5451

  • Louisville Urban League

    1535 W Broadway, Louisville · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (502) 585-4622

Every agency in Jefferson County All counseling agencies in Kentucky

Help in Spanish near Douglass Hills

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Douglass Hills

In HUD’s record, no housing authority with an office in Jefferson County is named for Douglass Hills or Jefferson County.

One other authority has an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

These cities are also in Jefferson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jefferson County Housing in Kentucky

Nearby cities

The cities closest to Douglass Hills, with the typical home value.

Neighboring counties

If Jefferson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Douglass Hills.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Douglass Hills

Short answers with the numbers for Douglass Hills and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Douglass Hills?

The typical home value in Douglass Hills is $346,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $248,400.

How much does it cost to rent in Douglass Hills?

Typical rent in Douglass Hills is $1,353 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,276.

What is the FHA loan limit in Douglass Hills?

Douglass Hills uses the FHA limit for all of Jefferson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Douglass Hills?

The typical homeowner in Douglass Hills pays $2,641 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Jefferson County, the rate is 0.86%.

Where can I find free help to buy or rent in Douglass Hills?

There are 3 HUD-approved counseling agencies with an office in Jefferson County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).