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City · 8,797 residents · Bullitt County, Kentucky

Hillview , Kentucky

In Hillview, a typical home is worth $186,300 and typical rent is $1,316 a month. Compared with all of Bullitt County, typical rent is 33% higher, the typical home value is 25% lower, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $186,300

    25% below the county

    9% below Kentucky

    • Hillview
    • Bullitt
    • Kentucky

  • Typical rent

    $1,316a month

    33% above the county

    36% above Kentucky

    • Hillview
    • Bullitt
    • Kentucky

  • Typical household income

    $68,111a year

    15% below the county

    7% above Kentucky

    • Hillview
    • Bullitt
    • Kentucky

  • Households that own their home

    79%

    6 points below the county

    11 points above Kentucky

    • Hillview
    • Bullitt
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$226,914
1% more than 12 months ago
Typical rent
$1,950 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Hillview is in Bullitt 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 Bullitt County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hillview apart

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

  1. Hillview has the smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people: 23%.

  2. Nearby, in Shively, the typical rent is $899: 32% less than in Hillview ($1,316).

  3. The typical rent in Hillview is $1,316 a month, 33% more than in Bullitt County as a whole ($987).

  4. The typical home in Hillview is worth $186,300, 25% less than in Bullitt County as a whole ($247,200).

  5. Nearby, in Shively, the typical home value is $154,700: 17% less than in Hillview ($186,300).

  6. The typical household income in Hillview is $68,111, 15% less than in Bullitt County as a whole ($80,558).

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

The homes here

Housing in Hillview

What homes there are in Hillview, 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

Detached houses, standing on their own, make up 87% of homes here, against 79% in Bullitt County.

Year built

Homes in Hillview are older: the typical year built is 1980; in Bullitt County, 1993.

In Hillview, 77% of homes have 3 bedrooms or more, about the same as in Bullitt County.

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

$1,331 a month

Bullitt County: $1,561 a month

Without a mortgage

$461 a month

Bullitt County: $524 a month

Owners with a mortgage

66%

Bullitt County: 64%

Owning costs less in Hillview: with a mortgage, the typical cost is $1,331 a month; in Bullitt County, $1,561. Without one, $461.

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

From 2015–2019 to 2020–2024, home values in Hillview rose at about the same pace as in Bullitt County: 47% against 49%.

Much as in Bullitt County, the typical rent in Hillview rose 21% since 2015–2019.

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

MeasureHillviewBullitt CountyKentuckyUnited States
Rental vacancy Unreliable estimate9.8%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.0%2.0%3.4%
People per household 2.792.642.432.53
Drive alone 74%80%77%69%
Carpool 13%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Hillview are bigger: 2.79 people on average; in Bullitt County, 2.64.

Carpooling is common in Hillview: 13% of workers get to work that way, against 8% in Bullitt County.

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 Hillview?

A typical home is within reach of the typical income

We start with a typical home in Hillview, worth $186,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Hillview, which is $68,111 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hillview. 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 $6,521 (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

$1,520

at 7.18% · 30 years

Loan amount
$182,925
Total interest
$263,186
Paid off in
November 2056

Includes $3,146 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,589 a month

    Your payment · 27%

  • Tight

    $1,589 to $2,043 a month

  • Hard

    more than $2,043 a month

Compared with the typical household income in Hillview ($68,111 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,520
Principal & interest$1,239
Property tax$121
Home insurance$78
FHA mortgage insurance (MIP)$82

You need at least $6,521 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

Hillview and Bullitt County

Hillview is in Bullitt 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).

Hillview's own numbers

Typical home value
$186,300
Typical monthly rent
$1,316
Typical yearly household income
$68,111
Households that own their home
79%
Effective property tax rate
0.78%

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

Numbers for all of Bullitt 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)
+46%
Homes in a high flood-risk zone
7.5%

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 Bullitt County.

Everything about Bullitt County

Buying

Buying a home in Hillview

A typical home in Hillview is worth $186,300: 25% below the county and 9% below Kentucky. With the typical household income in Hillview ($68,111 a year), a typical home costs 2.7 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.

  • Hillview 2.7 years
  • Bullitt 3.1 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bullitt County

According to FHFA’s house price index, home prices in Bullitt County rose 83% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.4% +3.9% +2.9%
5 years (2020–2025) +46% +50% +47%
10 years (2015–2025) +83% +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

Hillview next to Bullitt 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
  • Hillview $186,300
  • Bullitt $247,200
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Hillview $1,316
  • Bullitt $987
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Hillview $68,111
  • Bullitt $80,558
  • Kentucky $63,726
  • United States $80,734
See the full table
Hillview next to Bullitt County and Kentucky
Measure Hillview Bullitt County Kentucky U.S.
Typical home value $186,300 $247,200 $205,600 $332,700
Typical monthly rent $1,316 $987 $967 $1,413
Typical yearly household income $68,111 $80,558 $63,726 $80,734
Households that own their home 79% 85% 68% 65%
Typical yearly property tax $1,449 $2,050 $1,544 $3,119
Effective property tax rate 0.78% 0.83% 0.75% 0.94%
Renters with high rent for their income 23% 45% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bullitt 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 Hillview

For a typical $186,300 home in Hillview, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hillview's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,520a month

    Least cash to close
    Down payment
    $6,521
    Cash to close
    $12,110
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,486a month

    Down payment
    $9,315
    Cash to close
    $14,904
    Rate
    7.18%
    Mortgage insurance
    PMI · $88

  • Conventional, 20% down, no PMI $1,208a month

    Down payment
    $37,260
    Cash to close
    $42,849
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,381a month

    Down payment
    $27,945
    Cash to close
    $33,534
    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 Hillview and for Bullitt County.

Property tax

Effective rate in Hillview

0.78%of the home’s value each year

$1,449 a year for the typical owner in Hillview.

  • Hillview 0.78%
  • Bullitt 0.83%
  • 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 Bullitt County

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

Homes in the high-risk zone
7.5%
2,352
Of those, with NFIP insurance
23%
County Kentucky U.S.
Homes in the high-risk zone 7.5% 3.5% 3.5%
Of those, with NFIP insurance 23% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hillview

Typical rent in Hillview is $1,316 a month: 33% above the county. In Hillview, 23% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Bullitt 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 Bullitt 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 Hillview

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

For 2 bedrooms it runs from $1,140 in 40165 to $1,480 in 40229.

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

  • 40165 $1,140$1,460
  • 40229 $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 Hillview 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 Hillview

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.

We found no HUD-approved agencies with an office in Bullitt County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Hillview

No down payment, repair or rent-help program on our list is for Hillview or Bullitt County. The ones below are statewide in Kentucky: they work in Hillview 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 Hillview

The HUD-approved agencies closest to the center of Hillview, 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 · 13 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 · 14 miles away

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

  • Louisville Urban League

    1535 W Broadway, Louisville · 14 miles away

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

All counseling agencies in Kentucky

Help in Spanish near Hillview

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 Hillview

HUD lists no housing authority with an office in Bullitt County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Kentucky Source: HUD

Cities

Other cities in Bullitt County

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

Everything about Bullitt County Housing in Kentucky

Nearby cities

The cities closest to Hillview, with the typical home value.

Neighboring counties

If Bullitt 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 Hillview.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Hillview

Short answers with the numbers for Hillview and all of Bullitt 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 Hillview?

The typical home value in Hillview is $186,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bullitt County it is $247,200.

How much does it cost to rent in Hillview?

Typical rent in Hillview is $1,316 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bullitt County is $1,276.

What is the FHA loan limit in Hillview?

Hillview uses the FHA limit for all of Bullitt 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 Hillview?

The typical homeowner in Hillview pays $1,449 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Bullitt County, the rate is 0.83%.

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

We found no HUD-approved counseling agencies with an office in Bullitt County; the nearest ones are on this page. 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).