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City · 14,533 residents · Bullitt County, Kentucky

Shepherdsville , Kentucky

In Shepherdsville, a typical home is worth $222,100 and typical rent is $943 a month. Compared with all of Bullitt County, typical household income is 11% lower, the typical home value is 10% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $222,100

    10% below the county

    8% above Kentucky

    • Shepherdsville
    • Bullitt
    • Kentucky

  • Typical rent

    $943a month

    4% below the county

    2% below Kentucky

    • Shepherdsville
    • Bullitt
    • Kentucky

  • Typical household income

    $71,476a year

    11% below the county

    12% above Kentucky

    • Shepherdsville
    • Bullitt
    • Kentucky

  • Households that own their home

    74%

    11 points below the county

    6 points above Kentucky

    • Shepherdsville
    • Bullitt
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$288,559
0.6% more than 12 months ago
Typical rent
$1,595 a month

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

Shepherdsville 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 Shepherdsville apart

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

  1. Shepherdsville has the 2nd largest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (61%).

  2. Nearby, in Shively, the typical home value is $154,700: 30% less than in Shepherdsville ($222,100).

  3. 74% of households in Shepherdsville own their home, against 85% in Bullitt County.

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

The homes here

Housing in Shepherdsville

What homes there are in Shepherdsville, 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 still the most common home in Shepherdsville, but it weighs less than in Bullitt County: 68% against 79%.

Year built

In Shepherdsville, half of the homes were built before 1996; in Bullitt County, before 1993.

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

The FHA limit for Bullitt County is high ($541,287): at least 98% of owner-occupied homes in Shepherdsville are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,388 a month

Bullitt County: $1,561 a month

Without a mortgage

$482 a month

Bullitt County: $524 a month

Owners with a mortgage

69%

Bullitt County: 64%

The typical cost for an owner with a mortgage in Shepherdsville is $1,388 a month, less than in Bullitt County ($1,561); without one, $482.

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 Shepherdsville rose 54% since 2015–2019, more than in Bullitt County (49%).

The typical rent in Shepherdsville rose 21% since 2015–2019, about the same as in Bullitt County (20%).

The typical household income in Shepherdsville rose 36% over that time; home values changed +54% and rent +21%.

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

MeasureShepherdsvilleBullitt CountyKentuckyUnited States
Rental vacancy 12.2%9.8%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 2.632.642.432.53
Drive alone 80%80%77%69%
Carpool 8%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate10%10%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Shepherdsville is 12.2%, higher than in Bullitt County (9.8%).

By size, households in Shepherdsville look like those in Bullitt County: 2.63 people on average.

In Shepherdsville, 80% of workers drive alone to work; in Bullitt County, 80%.

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 Shepherdsville?

A typical home is tight for the typical income

We start with a typical home in Shepherdsville, worth $222,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Shepherdsville, which is $71,476 a year. For that payment to be 28% of income, a household would need to earn about $77,995 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 Shepherdsville. 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 $7,774 (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

$1,820

at 7.18% · 30 years

Loan amount
$218,077
Total interest
$313,761
Paid off in
November 2056

Includes $3,751 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,668 a month

  • Tight

    $1,668 to $2,144 a month

    Your payment · 31%

  • Hard

    more than $2,144 a month

Compared with the typical household income in Shepherdsville ($71,476 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,820
Principal & interest$1,477
Property tax$152
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,774 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

Shepherdsville and Bullitt County

Shepherdsville 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).

Shepherdsville's own numbers

Typical home value
$222,100
Typical monthly rent
$943
Typical yearly household income
$71,476
Households that own their home
74%
Effective property tax rate
0.82%

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 Shepherdsville

A typical home in Shepherdsville is worth $222,100: 10% below the county and 8% above Kentucky. With the typical household income in Shepherdsville ($71,476 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.

  • Shepherdsville 3.1 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

Shepherdsville 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
  • Shepherdsville $222,100
  • Bullitt $247,200
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Shepherdsville $943
  • Bullitt $987
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Shepherdsville $71,476
  • Bullitt $80,558
  • Kentucky $63,726
  • United States $80,734
See the full table
Shepherdsville next to Bullitt County and Kentucky
Measure Shepherdsville Bullitt County Kentucky U.S.
Typical home value $222,100 $247,200 $205,600 $332,700
Typical monthly rent $943 $987 $967 $1,413
Typical yearly household income $71,476 $80,558 $63,726 $80,734
Households that own their home 74% 85% 68% 65%
Typical yearly property tax $1,825 $2,050 $1,544 $3,119
Effective property tax rate 0.82% 0.83% 0.75% 0.94%
Renters with high rent for their income 61% 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 Shepherdsville

For a typical $222,100 home in Shepherdsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shepherdsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,820a month

    Least cash to close
    Down payment
    $7,774
    Cash to close
    $14,437
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,779a month

    Down payment
    $11,105
    Cash to close
    $17,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $105

  • Conventional, 20% down, no PMI $1,448a month

    Down payment
    $44,420
    Cash to close
    $51,083
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,653a month

    Down payment
    $33,315
    Cash to close
    $39,978
    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 Shepherdsville and for Bullitt County.

Property tax

Effective rate in Shepherdsville

0.82%of the home’s value each year

$1,825 a year for the typical owner in Shepherdsville.

  • Shepherdsville 0.82%
  • 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 Shepherdsville

Typical rent in Shepherdsville is $943 a month: 4% below the county. In Shepherdsville, 61% 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 Shepherdsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shepherdsville is in ZIP code 40165.

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

  • 40165 $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 Shepherdsville 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 Shepherdsville

HUD lists 10 buildings with rents for lower incomes in Shepherdsville. These are the largest.

  • Shepherdsville Village I 130 Landmark Ct, Shepherdsville 40165 104 low-income homes · For families (502) 543-2671
  • Tanager Landing Apartments Tanager LN., Shepherdsville 40165 52 homes, 39 low-income · 2 bd: 24 · 3 bd: 28 · In service since 2004
  • Cedar Grove Apartments, Phase I Johnson DR, Shepherdsville 40165 36 low-income homes · 1 bd: 4 · 2 bd: 28 · 3 bd: 4 · In service since 2001
  • Cedar Grove Apartments, Phase II Johnson Drive, Shepherdsville 40165 36 low-income homes · 1 bd: 12 · 2 bd: 24 · In service since 2008 · For families
  • Northside Apartments I Northside Ave, Shepherdsville 40165 36 low-income homes · 1 bd: 12 · 2 bd: 20 · 3 bd: 4 · In service since 2008 · For families

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

Free help

Help to buy or rent in Shepherdsville

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.

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 Shepherdsville

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

The HUD-approved agencies closest to the center of Shepherdsville, 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 · 18 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 Shepherdsville

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 Shepherdsville

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 Shepherdsville, 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 Shepherdsville.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Shepherdsville

Short answers with the numbers for Shepherdsville 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 Shepherdsville?

The typical home value in Shepherdsville is $222,100, 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 Shepherdsville?

Typical rent in Shepherdsville is $943 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 Shepherdsville?

Shepherdsville 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 Shepherdsville?

The typical homeowner in Shepherdsville pays $1,825 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Bullitt County, the rate is 0.83%.

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

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).