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City · 18,480 residents · Bullitt County, Kentucky

Mount Washington , Kentucky

In Mount Washington, a typical home is worth $268,200 and typical rent is $1,008 a month. Compared with all of Bullitt County, typical household income is 19% higher and the typical home value is 8% higher.

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  • Typical home value

    $268,200

    8% above the county

    30% above Kentucky

    • Mount Washington
    • Bullitt
    • Kentucky

  • Typical rent

    $1,008a month

    2% above the county

    4% above Kentucky

    • Mount Washington
    • Bullitt
    • Kentucky

  • Typical household income

    $96,239a year

    19% above the county

    51% above Kentucky

    • Mount Washington
    • Bullitt
    • Kentucky

  • Households that own their home

    86%

    1 points above the county

    18 points above Kentucky

    • Mount Washington
    • Bullitt
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$325,579
1.5% more than 12 months ago

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

Mount Washington 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 Mount Washington apart

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

  1. Nearby, in Hillview, the typical home value is $186,300: 31% less than in Mount Washington ($268,200).

  2. Mount Washington has the 5th smallest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (29%).

  3. Mount Washington has the 6th highest homeownership rate of the 84 cities in Kentucky with more than 5,000 people (86%).

  4. The typical household income in Mount Washington is $96,239, 19% more than in Bullitt County as a whole ($80,558).

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

The homes here

Housing in Mount Washington

What homes there are in Mount Washington, 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 Mount Washington: 82% of homes, near the figure in Bullitt County (79%).

Year built

Homes in Mount Washington are newer: the typical year built is 2002; in Bullitt County, 1993.

In Mount Washington, 83% of homes have 3 bedrooms or more, more than in Bullitt County (78%).

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 95% of owner-occupied homes in Mount Washington are worth less than the FHA loan limit for Bullitt County ($541,287).

Monthly rent with utilities

With a mortgage

$1,650 a month

Bullitt County: $1,561 a month

Without a mortgage

$553 a month

Bullitt County: $524 a month

Owners with a mortgage

77%

Bullitt County: 64%

Owning costs more in Mount Washington: with a mortgage, the typical cost is $1,650 a month; in Bullitt County, $1,561. Without one, $553.

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 Mount Washington rose 57% since 2015–2019, more than in Bullitt County (49%).

Since 2015–2019, the typical rent in Mount Washington rose 33%, more than in Bullitt County (20%).

The typical household income in Mount Washington rose 39% over that time; home values changed +57% and rent +33%.

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

MeasureMount WashingtonBullitt 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 2.652.642.432.53
Drive alone 78%80%77%69%
Carpool 8%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 14%10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Bullitt County, a household in Mount Washington has 2.65 people on average.

Many people here do not commute at all: 14% work from home; in Bullitt County, 10%.

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 Mount Washington?

A typical home is within reach of the typical income

We start with a typical home in Mount Washington, worth $268,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Mount Washington, which is $96,239 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 Mount Washington. 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 $9,387 (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

$2,211

at 7.18% · 30 years

Loan amount
$263,342
Total interest
$378,888
Paid off in
November 2056

Includes $4,529 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,246 a month

    Your payment · 28%

  • Tight

    $2,246 to $2,887 a month

  • Hard

    more than $2,887 a month

Compared with the typical household income in Mount Washington ($96,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,211
Principal & interest$1,784
Property tax$197
Home insurance$112
FHA mortgage insurance (MIP)$119

You need at least $9,387 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

Mount Washington and Bullitt County

Mount Washington 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).

Mount Washington's own numbers

Typical home value
$268,200
Typical monthly rent
$1,008
Typical yearly household income
$96,239
Households that own their home
86%
Effective property tax rate
0.88%

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 Mount Washington

A typical home in Mount Washington is worth $268,200: 8% above the county and 30% above Kentucky. With the typical household income in Mount Washington ($96,239 a year), a typical home costs 2.8 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.

  • Mount Washington 2.8 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

Mount Washington 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
  • Mount Washington $268,200
  • Bullitt $247,200
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Mount Washington $1,008
  • Bullitt $987
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Mount Washington $96,239
  • Bullitt $80,558
  • Kentucky $63,726
  • United States $80,734
See the full table
Mount Washington next to Bullitt County and Kentucky
Measure Mount Washington Bullitt County Kentucky U.S.
Typical home value $268,200 $247,200 $205,600 $332,700
Typical monthly rent $1,008 $987 $967 $1,413
Typical yearly household income $96,239 $80,558 $63,726 $80,734
Households that own their home 86% 85% 68% 65%
Typical yearly property tax $2,361 $2,050 $1,544 $3,119
Effective property tax rate 0.88% 0.83% 0.75% 0.94%
Renters with high rent for their income 29% 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 Mount Washington

For a typical $268,200 home in Mount Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Washington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,211a month

    Least cash to close
    Down payment
    $9,387
    Cash to close
    $17,433
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $119

  • Conventional, 5% down $2,162a month

    Down payment
    $13,410
    Cash to close
    $21,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $127

  • Conventional, 20% down, no PMI $1,762a month

    Down payment
    $53,640
    Cash to close
    $61,686
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,010a month

    Down payment
    $40,230
    Cash to close
    $48,276
    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 Mount Washington and for Bullitt County.

Property tax

Effective rate in Mount Washington

0.88%of the home’s value each year

$2,361 a year for the typical owner in Mount Washington.

  • Mount Washington 0.88%
  • 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 Mount Washington

Typical rent in Mount Washington is $1,008 a month: 2% above the county. In Mount Washington, 29% 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 Mount Washington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Washington is in ZIP code 40047.

For 2 bedrooms it is $1,140: $136 less than the fair market rent for Bullitt County ($1,276).

  • 40047 $1,140$1,460

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

HUD lists 2 buildings with rents for lower incomes in Mount Washington. These are the largest.

  • MT Washington Apartments 190 West Ave, Mount Washington 40047 24 low-income homes · For families (502) 633-3742
  • Hillcrest Village PO Box 620, Mount Washington 40047 8 low-income homes · For families (502) 491-2422

See all 20 buildings in Bullitt County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mount Washington

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 Mount Washington

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

The HUD-approved agencies closest to the center of Mount Washington, 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 · 19 miles away

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

  • Louisville Urban League

    1535 W Broadway, Louisville · 19 miles away

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

All counseling agencies in Kentucky

Help in Spanish near Mount Washington

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 Mount Washington

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 Mount Washington, 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 Mount Washington.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Mount Washington

Short answers with the numbers for Mount Washington 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 Mount Washington?

The typical home value in Mount Washington is $268,200, 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 Mount Washington?

Typical rent in Mount Washington is $1,008 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 Mount Washington?

Mount Washington 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 Mount Washington?

The typical homeowner in Mount Washington pays $2,361 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Bullitt County, the rate is 0.83%.

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

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).