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City · 15,638 residents · Jefferson County, Kentucky

Shively , Kentucky

In Shively, a typical home is worth $154,700 and typical rent is $899 a month. Compared with all of Jefferson County, the typical home value is 38% lower and typical household income is 28% lower.

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  • Typical home value

    $154,700

    38% below the county

    25% below Kentucky

    • Shively
    • Jefferson
    • Kentucky

  • Typical rent

    $899a month

    22% below the county

    7% below Kentucky

    • Shively
    • Jefferson
    • Kentucky

  • Typical household income

    $50,221a year

    28% below the county

    21% below Kentucky

    • Shively
    • Jefferson
    • Kentucky

  • Households that own their home

    62%

    About the same as the county

    7 points below Kentucky

    • Shively
    • Jefferson
    • Kentucky

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

Shively 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 Shively apart

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

  1. The typical home in Shively is worth $154,700, 38% less than in Jefferson County as a whole ($248,400).

  2. The typical household income in Shively is $50,221, 28% less than in Jefferson County as a whole ($69,866).

  3. The typical rent in Shively is $899 a month, 22% less than in Jefferson County as a whole ($1,149).

  4. 13% of households in Shively have no internet at home (6% in Jefferson County).

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

The homes here

Housing in Shively

What homes there are in Shively, 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 rules in Shively: 70% of homes, more than in Jefferson County (64%).

Year built

In Shively, half of the homes were built before 1958; in Jefferson County, before 1972.

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

$1,155 a month

Jefferson County: $1,593 a month

Without a mortgage

$473 a month

Jefferson County: $608 a month

Owners with a mortgage

71%

Jefferson County: 64%

In Shively, 71% of owners have a mortgage, and their typical cost is $1,155 a month, against $1,593 in Jefferson County. Without one it drops to $473.

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

Much as in Jefferson County, the typical rent in Shively rose 29% since 2015–2019.

While home values in Shively changed +45% and rent +29%, the typical household income rose 29%.

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

MeasureShivelyJefferson 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 2.272.322.432.53
Drive alone 75%72%77%69%
Carpool 6%8%9%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 14%14%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Shively look like those in Jefferson County: 2.27 people on average.

To get to work, 75% of workers in Shively 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 Shively?

A typical home is tight for the typical income

We start with a typical home in Shively, worth $154,700, 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 Shively, which is $50,221 a year. For that payment to be 28% of income, a household would need to earn about $54,326 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 Shively. 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 $5,415 (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

$1,268

at 7.18% · 30 years

Loan amount
$151,897
Total interest
$218,545
Paid off in
November 2056

Includes $2,612 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,172 a month

  • Tight

    $1,172 to $1,507 a month

    Your payment · 30%

  • Hard

    more than $1,507 a month

Compared with the typical household income in Shively ($50,221 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,268
Principal & interest$1,029
Property tax$106
Home insurance$65
FHA mortgage insurance (MIP)$68

You need at least $5,415 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

Shively and Jefferson County

Shively 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).

Shively's own numbers

Typical home value
$154,700
Typical monthly rent
$899
Typical yearly household income
$50,221
Households that own their home
62%
Effective property tax rate
0.82%

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 Shively

A typical home in Shively is worth $154,700: 38% below the county and 25% below Kentucky. With the typical household income in Shively ($50,221 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.

  • Shively 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

Shively 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
  • Shively $154,700
  • Jefferson $248,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Shively $899
  • Jefferson $1,149
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Shively $50,221
  • Jefferson $69,866
  • Kentucky $63,726
  • United States $80,734
See the full table
Shively next to Jefferson County and Kentucky
Measure Shively Jefferson County Kentucky U.S.
Typical home value $154,700 $248,400 $205,600 $332,700
Typical monthly rent $899 $1,149 $967 $1,413
Typical yearly household income $50,221 $69,866 $63,726 $80,734
Households that own their home 62% 62% 68% 65%
Typical yearly property tax $1,262 $2,136 $1,544 $3,119
Effective property tax rate 0.82% 0.86% 0.75% 0.94%
Renters with high rent for their income 50% 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 Shively

For a typical $154,700 home in Shively, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shively's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,268a month

    Least cash to close
    Down payment
    $5,415
    Cash to close
    $10,056
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $68

  • Conventional, 5% down $1,239a month

    Down payment
    $7,735
    Cash to close
    $12,376
    Rate
    7.18%
    Mortgage insurance
    PMI · $73

  • Conventional, 20% down, no PMI $1,009a month

    Down payment
    $30,940
    Cash to close
    $35,581
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,152a month

    Down payment
    $23,205
    Cash to close
    $27,846
    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 Shively and for Jefferson County.

Property tax

Effective rate in Shively

0.82%of the home’s value each year

$1,262 a year for the typical owner in Shively.

  • Shively 0.82%
  • 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 Shively

Typical rent in Shively is $899 a month: 22% below the county. In Shively, 50% 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 Shively

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shively is in ZIP code 40216.

For 2 bedrooms it is $1,070: $206 less than the fair market rent for Jefferson County ($1,276).

  • 40216 $1,070$1,370

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

HUD lists one building with rents for lower incomes in Shively.

  • Shively Apts 3105 Clinton Pl, Shively 40216 97 low-income homes · For families (502) 447-1225

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

Free help

Help to buy or rent in Shively

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Shively

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

The HUD-approved agencies closest to the center of Shively, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Louisville Urban League

    1535 W Broadway, Louisville · 4 miles away

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

  • The Housing Partnership, Inc

    1405 W Broadway Unit 101, Louisville · 4 miles away

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

  • Apprisen - CCCS of the Midwest - Louisville

    10200 Linn Station Rd, Louisville · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

Every agency in Jefferson County All counseling agencies in Kentucky

Help in Spanish near Shively

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 Shively

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Shively

Short answers with the numbers for Shively 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 Shively?

The typical home value in Shively is $154,700, 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 Shively?

Typical rent in Shively is $899 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 Shively?

Shively 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 Shively?

The typical homeowner in Shively pays $1,262 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Jefferson County, the rate is 0.86%.

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

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).