In La Grange, a typical home is worth $283,200 and typical rent is $1,143 a month. Compared with all of Oldham County, the typical home value is 28% lower, typical household income is 28% lower, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $321,951 to $396,347.
Typical rent
$1,907a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
La Grange is in Oldham 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 Oldham County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in La Grange is worth $283,200,28% less than in Oldham County as a whole ($393,100).
2
The typical household income in La Grange is $88,464,28% less than in Oldham County as a whole ($122,497).
3
78% of households in La Grange own their home, against 87% in Oldham County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in La Grange
What homes there are in La Grange, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
La Grange
Oldham County
Kentucky
United States
Kind of home: La Grange and its comparisons
Measure
La Grange
Oldham County
Kentucky
United States
Detached house
72%
87%
68%
61%
Attached house
8%
3%
3%
6%
Building of 2 to 4
7%
3%
7%
8%
Apartments (5 or more)
Unreliable estimate
6%
12%
19%
Mobile home
Unreliable estimate
1%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in La Grange, but it weighs less than in Oldham County: 72% against 87%.
Year built
Before 19601960–19791980–19992000–20092010 or later
La Grange
Oldham County
Kentucky
United States
Year built: La Grange and its comparisons
Measure
La Grange
Oldham County
Kentucky
United States
Before 1960
14%
8%
22%
26%
1960–1979
9%
22%
26%
24%
1980–1999
33%
32%
28%
25%
2000–2009
29%
23%
15%
14%
2010 or later
17%
15%
11%
11%
The typical home in La Grange was built in 1998, 4 years after the typical one in Oldham County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K13%
$200K–$300K35%
$300K–$500K36%
$500K–$750K9%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: La Grange and its comparisons
Measure
La Grange
Under $100K
Unreliable estimate
$100K–$200K
13%
$200K–$300K
35%
$300K–$500K
36%
$500K–$750K
9%
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99923%
$1,000–$1,49942%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: La Grange and its comparisons
Measure
La Grange
Under $500
Unreliable estimate
$500–$999
23%
$1,000–$1,499
42%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,587 a month
Oldham County: $2,193 a month
Without a mortgage
$671 a month
Oldham County: $712 a month
Owners with a mortgage
66%
Oldham County: 69%
In La Grange, 66% of owners have a mortgage, and their typical cost is $1,587 a month, against $2,193 in Oldham County. Without one it drops to $671.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
La Grange+67%
Oldham County+39%
Kentucky+46%
United States+53%
Typical rent
La Grange+35%
Oldham County+33%
Kentucky+27%
United States+33%
Typical household income
La Grange+48%
Oldham County+24%
Kentucky+26%
United States+29%
Change since 2015–2019: La Grange and its comparisons
Measure
La Grange
Oldham County
Kentucky
United States
Typical home value
+67%
+39%
+46%
+53%
Typical rent
+35%
+33%
+27%
+33%
Typical household income
+48%
+24%
+26%
+29%
The typical home value in La Grange rose 67% since 2015–2019, more than in Oldham County (39%).
The typical rent in La Grange rose 35% since 2015–2019, about the same as in Oldham County (33%).
To compare: typical income in La Grange rose 48%; the home, +67%; the rent, +35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: La Grange and its comparisons
Measure
La Grange
Oldham County
Kentucky
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
0.8%
2.0%
3.4%
People per household
2.65
2.84
2.43
2.53
Drive alone
76%
72%
77%
69%
Carpool
13%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
11%
19%
10%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in La Grange are smaller: 2.65 people on average; in Oldham County, 2.84.
More people carpool to work in La Grange than in Oldham County: 13% against 8%.
Do the math
What would you pay each month for a home in La Grange?
A typical home is tight for the typical income
We start with a typical home in La Grange, worth $283,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in La Grange, which is $88,464 a year. For that payment to be 28% of income, a household would need to earn about $100,867 a year.
The calculator's FHA and conventional loan limits are those of all of Oldham County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in La Grange. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,912 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,354
at 7.18% · 30 years
Loan amount
$278,071
Total interest
$400,078
Paid off in
November 2056
Includes $4,783 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,064 a month
Tight
$2,064 to $2,654 a month
Your payment · 32%
Hard
more than $2,654 a month
Compared with the typical household income in La Grange ($88,464 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,884
Property tax
$227
Home insurance
$118
FHA mortgage insurance (MIP)
$125
You need at least $9,912 for the down payment, plus closing costs.
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.
Total monthly payment $2,354; principal and interest $1,884.
The city and its county
La Grange and Oldham County
La Grange is in Oldham 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).
La Grange
Map of Oldham County, Kentucky, with La Grange marked. Around it, the neighboring counties.
La Grange
Oldham County
Other cities with a page
La Grange's own numbers
Typical home value
$283,200
Typical monthly rent
$1,143
Typical yearly household income
$88,464
Households that own their home
78%
Effective property tax rate
0.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Oldham 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)
+50%
Homes in a high flood-risk zone
1.7%
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 Oldham County.
A typical home in La Grange is worth $283,200: 28% below the county and 38% above Kentucky. With the typical household income in La Grange ($88,464 a year), a typical home costs 3.2 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.
La Grange3.2 years
Oldham3.2 years
Kentucky3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Oldham County
According to FHFA’s house price index, home prices in Oldham County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Oldham County.
Yearly change in FHFA’s price index in Oldham County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.5% +4.5% 2017
2018: +3.7% +3.7% 2018
2019: +4.3% +4.3% 2019
2020: +2.5% +2.5% 2020
2021: +9.3% +9.3% 2021
2022: +12.3% +12.3% 2022
2023: +10.3% +10.3% 2023
2024: +5.7% +5.7% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Oldham County, Kentucky and the United States
Period
County
Kentucky
U.S.
Last year (2025)
+4.9%
+3.9%
+2.9%
5 years (2020–2025)
+50%
+50%
+47%
10 years (2015–2025)
+81%
+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
La Grange next to Oldham 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
La Grange$283,200
Oldham$393,100
Kentucky$205,600
United States$332,700
Typical monthly rent
La Grange$1,143
Oldham$1,219
Kentucky$967
United States$1,413
Typical yearly household income
La Grange$88,464
Oldham$122,497
Kentucky$63,726
United States$80,734
See the full table
La Grange next to Oldham County and Kentucky
Measure
La Grange
Oldham County
Kentucky
U.S.
Typical home value
$283,200 ▼28% below the county
$393,100
$205,600
$332,700
Typical monthly rent
$1,143 ▼6% below the county
$1,219
$967
$1,413
Typical yearly household income
$88,464 ▼28% below the county
$122,497
$63,726
$80,734
Households that own their home
78% ▼10 points below the county
87%
68%
65%
Typical yearly property tax
$2,707 ▼23% below the county
$3,519
$1,544
$3,119
Effective property tax rate
0.96% ▲0.06 points above the county
0.9%
0.75%
0.94%
Renters with high rent for their income
44% ▲1 points above the county
43%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Oldham 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 La Grange
For a typical $283,200 home in La Grange, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, La Grange's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,354a month
Least cash to close
Down payment
$9,912
Cash to close
$18,408
Rate
7.18%
Mortgage insurance
FHA MIP · $125
Conventional, 5% down$2,302a month
Down payment
$14,160
Cash to close
$22,656
Rate
7.18%
Mortgage insurance
PMI · $135
Conventional, 20% down, no PMI$1,879a month
Down payment
$56,640
Cash to close
$65,136
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,141a month
Down payment
$42,480
Cash to close
$50,976
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in La Grange
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,354
$9,912
$278,071
7.18%
FHA MIP · $125
$18,408
580
Conventional, 5% down
$2,302
$14,160
$269,040
7.18%
PMI · $135
$22,656
620*
Conventional, 20% down, no PMI
$1,879
$56,640
$226,560
7.18%
None
$65,136
620*
ITIN, 15% down (example)
$2,141
$42,480
$240,720
8.18%
None
$50,976
Set by the lender
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.
Typical rent in La Grange is $1,143 a month: 6% below the county. In La Grange, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Oldham 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Oldham County (Fiscal year 2027)
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 La Grange
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). La Grange is in ZIP code 40031.
For 2 bedrooms it is $1,290: $14 more than the fair market rent for Oldham County ($1,276).
Fair market rent by ZIP code and size in La Grange, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
40031
$990
$1,070
$1,290
$1,650
$1,890
ZIP code2 bd3 bd
40031 $1,290$1,650
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for La Grange 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Oldham County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for La Grange or Oldham County. The ones below are statewide in Kentucky: they work in La Grange the same as in the rest of the state.
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).
No legal help resource on our list is for La Grange or Oldham County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for La Grange and all of Oldham 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 La Grange?
The typical home value in La Grange is $283,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Oldham County it is $393,100.
How much does it cost to rent in La Grange?
Typical rent in La Grange is $1,143 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Oldham County is $1,276.
What is the FHA loan limit in La Grange?
La Grange uses the FHA limit for all of Oldham 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 La Grange?
The typical homeowner in La Grange pays $2,707 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Oldham County, the rate is 0.9%.
Where can I find free help to buy or rent in La Grange?
We found no HUD-approved counseling agencies with an office in Oldham County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
