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City · 11,030 residents · Jefferson County, Kentucky

Lyndon , Kentucky

In Lyndon, a typical home is worth $276,800 and typical rent is $1,246 a month. Compared with all of Jefferson County, the typical home value is 11% higher, typical rent is 8% higher, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $276,800

    11% above the county

    35% above Kentucky

    • Lyndon
    • Jefferson
    • Kentucky

  • Typical rent

    $1,246a month

    8% above the county

    29% above Kentucky

    • Lyndon
    • Jefferson
    • Kentucky

  • Typical household income

    $65,679a year

    6% below the county

    3% above Kentucky

    • Lyndon
    • Jefferson
    • Kentucky

  • Households that own their home

    44%

    18 points below the county

    24 points below Kentucky

    • Lyndon
    • Jefferson
    • Kentucky

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

Lyndon 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 Lyndon apart

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

  1. 44% of households in Lyndon own their home, against 62% in Jefferson County.

  2. Nearby, in Louisville/Jefferson County metro government, the typical home value is $233,900: 15% less than in Lyndon ($276,800).

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

The homes here

Housing in Lyndon

What homes there are in Lyndon, 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

Homes in Lyndon are varied: detached houses are the largest group, at 46%, against 64% in Jefferson County.

Year built

The typical home in Lyndon was built in 1984, 12 years after the typical one in Jefferson 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

$1,667 a month

Jefferson County: $1,593 a month

Without a mortgage

$691 a month

Jefferson County: $608 a month

Owners with a mortgage

62%

Jefferson County: 64%

Owning costs about the same in Lyndon as in Jefferson County: with a mortgage, $1,667 a month; without one, $691.

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 Lyndon rose at about the same pace as in Jefferson County: 45% against 46%.

Since 2015–2019, the typical rent in Lyndon rose 28%, 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

MeasureLyndonJefferson 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 1.912.322.432.53
Drive alone 76%72%77%69%
Carpool 6%8%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 Lyndon are smaller: 1.91 people on average; in Jefferson County, 2.32.

To get to work, 76% of workers in Lyndon 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 Lyndon?

A typical home costs more than the typical income allows

We start with a typical home in Lyndon, worth $276,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Lyndon, which is $65,679 a year. For that payment to be 28% of income, a household would need to earn about $97,105 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 Lyndon. 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 $9,688 (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

$2,266

at 7.18% · 30 years

Loan amount
$271,786
Total interest
$391,037
Paid off in
November 2056

Includes $4,674 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,533 a month

  • Tight

    $1,533 to $1,970 a month

  • Hard

    more than $1,970 a month

    Your payment · 41%

Compared with the typical household income in Lyndon ($65,679 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,266
Principal & interest$1,841
Property tax$187
Home insurance$115
FHA mortgage insurance (MIP)$122

You need at least $9,688 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

Lyndon and Jefferson County

Lyndon 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).

Lyndon's own numbers

Typical home value
$276,800
Typical monthly rent
$1,246
Typical yearly household income
$65,679
Households that own their home
44%
Effective property tax rate
0.81%

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 Lyndon

A typical home in Lyndon is worth $276,800: 11% above the county and 35% above Kentucky. With the typical household income in Lyndon ($65,679 a year), a typical home costs 4.2 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.

  • Lyndon 4.2 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

Lyndon 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
  • Lyndon $276,800
  • Jefferson $248,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Lyndon $1,246
  • Jefferson $1,149
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Lyndon $65,679
  • Jefferson $69,866
  • Kentucky $63,726
  • United States $80,734
See the full table
Lyndon next to Jefferson County and Kentucky
Measure Lyndon Jefferson County Kentucky U.S.
Typical home value $276,800 $248,400 $205,600 $332,700
Typical monthly rent $1,246 $1,149 $967 $1,413
Typical yearly household income $65,679 $69,866 $63,726 $80,734
Households that own their home 44% 62% 68% 65%
Typical yearly property tax $2,239 $2,136 $1,544 $3,119
Effective property tax rate 0.81% 0.86% 0.75% 0.94%
Renters with high rent for their income 52% 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 Lyndon

For a typical $276,800 home in Lyndon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lyndon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,266a month

    Least cash to close
    Down payment
    $9,688
    Cash to close
    $17,992
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $122

  • Conventional, 5% down $2,215a month

    Down payment
    $13,840
    Cash to close
    $22,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $131

  • Conventional, 20% down, no PMI $1,802a month

    Down payment
    $55,360
    Cash to close
    $63,664
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,058a month

    Down payment
    $41,520
    Cash to close
    $49,824
    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 Lyndon and for Jefferson County.

Property tax

Effective rate in Lyndon

0.81%of the home’s value each year

$2,239 a year for the typical owner in Lyndon.

  • Lyndon 0.81%
  • 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 Lyndon

Typical rent in Lyndon is $1,246 a month: 8% above the county. In Lyndon, 52% 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 Lyndon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lyndon has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,450 in 40242 to $1,660 in 40223.

3 of the 3 are above the fair market rent for Jefferson County ($1,276).

  • 40222 $1,530$1,950
  • 40223 $1,660$2,120
  • 40242 $1,450$1,850

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lyndon 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 Lyndon

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 shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Lyndon

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

The HUD-approved agencies closest to the center of Lyndon, 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 · 3 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 · 10 miles away

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

  • Louisville Urban League

    1535 W Broadway, Louisville · 10 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 Lyndon

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 Lyndon

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Lyndon

Short answers with the numbers for Lyndon 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 Lyndon?

The typical home value in Lyndon is $276,800, 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 Lyndon?

Typical rent in Lyndon is $1,246 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 Lyndon?

Lyndon 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 Lyndon?

The typical homeowner in Lyndon pays $2,239 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Jefferson County, the rate is 0.86%.

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

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).