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City · 29,199 residents · Jefferson County, Kentucky

Jeffersontown , Kentucky

In Jeffersontown, a typical home is worth $250,700 and typical rent is $1,320 a month. Compared with all of Jefferson County, typical household income is 17% higher, typical rent is 15% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $250,700

    About the same as the county

    22% above Kentucky

    • Jeffersontown
    • Jefferson
    • Kentucky

  • Typical rent

    $1,320a month

    15% above the county

    37% above Kentucky

    • Jeffersontown
    • Jefferson
    • Kentucky

  • Typical household income

    $81,506a year

    17% above the county

    28% above Kentucky

    • Jeffersontown
    • Jefferson
    • Kentucky

  • Households that own their home

    70%

    8 points above the county

    2 points above Kentucky

    • Jeffersontown
    • Jefferson
    • Kentucky

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

Jeffersontown 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 Jeffersontown apart

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

  1. Nearby, in Louisville/Jefferson County metro government, the typical rent is $1,120: 15% less than in Jeffersontown ($1,320).

  2. The typical household income in Jeffersontown is $81,506, 17% more than in Jefferson County as a whole ($69,866).

  3. 70% of households in Jeffersontown own their home, against 62% in Jefferson County.

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

The homes here

Housing in Jeffersontown

What homes there are in Jeffersontown, 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

In Jeffersontown, 7 in 10 homes are single-family detached houses; in Jefferson County, 6.

Year built

Homes in Jeffersontown are newer: the typical year built is 1978; in Jefferson County, 1972.

In Jeffersontown, 67% of homes have 3 bedrooms or more, more than in Jefferson County (57%).

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

About 97% of owner-occupied homes in Jeffersontown are worth less than the FHA loan limit for Jefferson County ($541,287).

Monthly rent with utilities

With a mortgage

$1,601 a month

Jefferson County: $1,593 a month

Without a mortgage

$623 a month

Jefferson County: $608 a month

Owners with a mortgage

64%

Jefferson County: 64%

Owning costs about the same in Jeffersontown as in Jefferson County: with a mortgage, $1,601 a month; without one, $623.

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

Homes in Jeffersontown gained value more slowly than in Jefferson County: 38% since 2015–2019, against 46%.

The typical rent in Jeffersontown rose 35% since 2015–2019, about the same as in Jefferson County (32%).

Housing prices ran ahead of income in Jeffersontown: typical income rose 19%, against +38% for home values and +35% for rent.

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

MeasureJeffersontownJefferson 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 2.322.322.432.53
Drive alone 72%72%77%69%
Carpool 10%8%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 15%14%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Jeffersontown has 2.32 people on average, about the same as in Jefferson County (2.32).

To get to work, 72% of workers in Jeffersontown 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 Jeffersontown?

A typical home is tight for the typical income

We start with a typical home in Jeffersontown, worth $250,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Jeffersontown, which is $81,506 a year. For that payment to be 28% of income, a household would need to earn about $88,396 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 Jeffersontown. 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 $8,775 (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

$2,063

at 7.18% · 30 years

Loan amount
$246,159
Total interest
$354,165
Paid off in
November 2056

Includes $4,234 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,902 a month

  • Tight

    $1,902 to $2,445 a month

    Your payment · 30%

  • Hard

    more than $2,445 a month

Compared with the typical household income in Jeffersontown ($81,506 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,063
Principal & interest$1,668
Property tax$180
Home insurance$105
FHA mortgage insurance (MIP)$111

You need at least $8,775 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

Jeffersontown and Jefferson County

Jeffersontown 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).

Jeffersontown's own numbers

Typical home value
$250,700
Typical monthly rent
$1,320
Typical yearly household income
$81,506
Households that own their home
70%
Effective property tax rate
0.86%

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 Jeffersontown

A typical home in Jeffersontown is worth $250,700: about the same as the county and 22% above Kentucky. With the typical household income in Jeffersontown ($81,506 a year), a typical home costs 3.1 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.

  • Jeffersontown 3.1 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

Jeffersontown 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
  • Jeffersontown $250,700
  • Jefferson $248,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Jeffersontown $1,320
  • Jefferson $1,149
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Jeffersontown $81,506
  • Jefferson $69,866
  • Kentucky $63,726
  • United States $80,734
See the full table
Jeffersontown next to Jefferson County and Kentucky
Measure Jeffersontown Jefferson County Kentucky U.S.
Typical home value $250,700 $248,400 $205,600 $332,700
Typical monthly rent $1,320 $1,149 $967 $1,413
Typical yearly household income $81,506 $69,866 $63,726 $80,734
Households that own their home 70% 62% 68% 65%
Typical yearly property tax $2,151 $2,136 $1,544 $3,119
Effective property tax rate 0.86% 0.86% 0.75% 0.94%
Renters with high rent for their income 36% 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 Jeffersontown

For a typical $250,700 home in Jeffersontown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jeffersontown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,063a month

    Least cash to close
    Down payment
    $8,775
    Cash to close
    $16,296
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $2,017a month

    Down payment
    $12,535
    Cash to close
    $20,056
    Rate
    7.18%
    Mortgage insurance
    PMI · $119

  • Conventional, 20% down, no PMI $1,643a month

    Down payment
    $50,140
    Cash to close
    $57,661
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,875a month

    Down payment
    $37,605
    Cash to close
    $45,126
    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 Jeffersontown and for Jefferson County.

Property tax

Effective rate in Jeffersontown

0.86%of the home’s value each year

$2,151 a year for the typical owner in Jeffersontown.

  • Jeffersontown 0.86%
  • 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 Jeffersontown

Typical rent in Jeffersontown is $1,320 a month: 15% above the county. In Jeffersontown, 36% 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 Jeffersontown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jeffersontown is in ZIP code 40299.

For 2 bedrooms it is $1,470: $194 more than the fair market rent for Jefferson County ($1,276).

  • 40299 $1,470$1,880

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jeffersontown 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?

Low-income apartments

Low-income apartments in Jeffersontown

HUD lists 3 buildings with rents for lower incomes in Jeffersontown. These are the largest.

  • Arbor Pointe Apartments Stoney Brook DR., Jeffersontown 40220 130 low-income homes · 2 bd: 60 · 3 bd: 70 · In service since 1995
  • Devex Apts 9912 Taylorsville Rd, Jeffersontown 40299 45 homes, 44 low-income · For older adults (502) 267-5151
  • Gaslight Court 3600 Good Samaritan Way, Jeffersontown 40299 24 low-income homes · For older adults (502) 261-1745

See all 319 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jeffersontown

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.

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

HUD counseling is free or low-cost

Assistance programs in Jeffersontown

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

The HUD-approved agencies closest to the center of Jeffersontown, 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 Jeffersontown

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 Jeffersontown

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

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Jeffersontown

Short answers with the numbers for Jeffersontown 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 Jeffersontown?

The typical home value in Jeffersontown is $250,700, 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 Jeffersontown?

Typical rent in Jeffersontown is $1,320 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 Jeffersontown?

Jeffersontown 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 Jeffersontown?

The typical homeowner in Jeffersontown pays $2,151 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Jefferson County, the rate is 0.86%.

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

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).