Look up HUD rent benchmarks by bedroom and ZIP code, then estimate cash flow with your own price and costs.
HUD rent dataLouisville, KY-IN HUD Metro FMR Area
3-bedroom gross-rent benchmark
$1,625 / month
-5.2% from FY2025.
FY2026 · effective Oct 1, 2025
Includes tenant-paid utilities. A benchmark, not an approved rent or property-specific estimate.
Published rent benchmarks
FY2025
$1,714
FY2026
$1,625
FY2027
$1,629
HUD schedules for the selected bedroom count. Changes are not a rent forecast.
Louisville, KY-IN HUD Metro FMR Area · Monthly gross rents
Bedroom count
FY2025
FY2026 · current
FY2027 · upcoming
Studio
$1,003
$966
$976
1 bedroom
$1,094
$1,047
$1,058
2 bedrooms
$1,330
$1,272
$1,276
3 bedrooms
$1,714
$1,625
$1,629
4 bedrooms
$1,989
$1,891
$1,874
FY2026 HUD area coverage: Clark County, IN; Floyd County, IN; Harrison County, IN; Bullitt County, KY; Henry County, KY; Jefferson County, KY; Oldham County, KY; Spencer County, KY. ZIP schedules may cover portions of this area.
Compare rents by ZIP code
Monthly HUD gross-rent benchmarks, including tenant-paid utilities. Choose 2–4 ZIPs to compare.
130 ZIP codes across published schedules
ZIP rent table
FY2026 monthly gross rents by ZIP.
ZIP
Studio
1 bedroom
2 bedrooms
3 bedrooms
4 bedrooms
$800
$880
$1,070
$1,390
$1,590
$1,040
$1,130
$1,330
$1,690
$1,980
$820
$880
$1,080
$1,440
$1,790
$1,030
$1,120
$1,350
$1,730
$2,010
$800
$880
$1,070
$1,390
$1,590
$900
$920
$1,180
$1,580
$1,950
$1,050
$1,150
$1,390
$1,790
$2,070
$980
$1,060
$1,290
$1,650
$1,920
$800
$880
$1,070
$1,390
$1,590
$1,280
$1,400
$1,710
$2,190
$2,540
$1,130
$1,230
$1,490
$1,900
$2,210
$1,360
$1,480
$1,800
$2,330
$2,700
$980
$1,060
$1,290
$1,650
$1,920
$1,000
$1,090
$1,320
$1,690
$1,960
$810
$880
$1,080
$1,390
$1,590
$890
$960
$1,170
$1,490
$1,740
$800
$900
$1,080
$1,400
$1,640
$850
$920
$1,120
$1,430
$1,660
$800
$880
$1,070
$1,390
$1,590
$970
$1,050
$1,310
$1,690
$1,860
$1,090
$1,180
$1,440
$1,840
$2,140
$1,040
$1,130
$1,330
$1,690
$1,980
$800
$880
$1,070
$1,390
$1,590
$1,450
$1,570
$1,910
$2,440
$2,840
$960
$1,030
$1,150
$1,430
$1,710
$1,000
$1,080
$1,300
$1,650
$1,930
$830
$900
$1,100
$1,420
$1,620
$850
$920
$1,120
$1,430
$1,660
$800
$880
$1,070
$1,390
$1,590
$850
$970
$1,100
$1,390
$1,620
$910
$1,000
$1,220
$1,590
$1,820
$950
$1,030
$1,250
$1,590
$1,850
$870
$920
$1,140
$1,470
$1,730
$1,000
$1,090
$1,320
$1,690
$1,960
$920
$1,000
$1,210
$1,550
$1,800
$800
$880
$1,070
$1,390
$1,590
$880
$950
$1,160
$1,480
$1,720
$920
$1,000
$1,210
$1,550
$1,800
$800
$880
$1,070
$1,390
$1,590
$980
$1,060
$1,290
$1,650
$1,920
$1,060
$1,140
$1,390
$1,780
$2,070
$840
$910
$1,100
$1,410
$1,630
$1,090
$1,180
$1,430
$1,830
$2,130
$1,020
$1,100
$1,340
$1,710
$1,990
$1,060
$1,150
$1,400
$1,790
$2,080
$1,190
$1,290
$1,570
$2,010
$2,330
$820
$890
$1,080
$1,390
$1,610
$870
$950
$1,150
$1,470
$1,710
$870
$950
$1,150
$1,470
$1,710
$840
$910
$1,110
$1,420
$1,650
$820
$890
$1,080
$1,390
$1,610
$870
$940
$1,140
$1,460
$1,690
$900
$970
$1,180
$1,510
$1,750
$930
$1,000
$1,220
$1,560
$1,810
$820
$890
$1,080
$1,390
$1,610
$1,030
$1,120
$1,360
$1,740
$2,020
$990
$1,070
$1,300
$1,660
$1,930
$930
$1,010
$1,230
$1,570
$1,830
$1,110
$1,200
$1,460
$1,860
$2,170
$980
$1,060
$1,290
$1,650
$1,920
$1,130
$1,230
$1,490
$1,900
$2,210
$1,250
$1,350
$1,640
$2,090
$2,440
$1,220
$1,320
$1,600
$2,040
$2,380
$1,130
$1,230
$1,490
$1,900
$2,210
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$1,270
$1,370
$1,670
$2,130
$2,480
$1,120
$1,210
$1,470
$1,880
$2,180
$1,130
$1,230
$1,490
$1,900
$2,210
$1,380
$1,490
$1,800
$2,300
$2,680
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$980
$1,060
$1,290
$1,650
$1,920
$1,050
$1,140
$1,380
$1,760
$2,050
$1,060
$1,150
$1,400
$1,790
$2,080
$980
$1,060
$1,290
$1,650
$1,920
$1,030
$1,110
$1,350
$1,720
$2,010
$1,120
$1,210
$1,470
$1,880
$2,180
$800
$880
$1,090
$1,420
$1,690
$860
$930
$1,130
$1,440
$1,680
$810
$880
$1,070
$1,390
$1,590
$820
$890
$1,080
$1,390
$1,610
$840
$910
$1,110
$1,420
$1,650
$860
$930
$1,130
$1,440
$1,680
$840
$910
$1,110
$1,420
$1,650
$980
$1,070
$1,300
$1,670
$1,940
$800
$880
$1,070
$1,390
$1,590
$800
$880
$1,070
$1,390
$1,590
$1,090
$1,180
$1,430
$1,830
$2,130
$800
$880
$1,070
$1,390
$1,590
$870
$940
$1,140
$1,460
$1,690
$1,050
$1,140
$1,380
$1,760
$2,050
$880
$910
$1,190
$1,520
$1,730
$800
$880
$1,070
$1,390
$1,590
$900
$970
$1,180
$1,510
$1,750
$1,020
$1,100
$1,340
$1,710
$1,990
$940
$1,020
$1,240
$1,580
$1,840
$800
$880
$1,070
$1,390
$1,590
$900
$970
$1,180
$1,510
$1,750
$800
$920
$1,070
$1,430
$1,620
$1,000
$1,140
$1,430
$1,840
$2,060
$890
$970
$1,170
$1,520
$1,750
$820
$890
$1,080
$1,390
$1,610
$1,450
$1,570
$1,910
$2,440
$2,840
$900
$980
$1,190
$1,520
$1,770
$840
$900
$1,130
$1,470
$1,620
$950
$1,030
$1,250
$1,600
$1,860
$900
$980
$1,190
$1,520
$1,770
$800
$880
$1,070
$1,390
$1,590
$1,150
$1,260
$1,530
$1,970
$2,280
$940
$1,020
$1,240
$1,580
$1,840
$820
$890
$1,080
$1,390
$1,600
$800
$880
$1,070
$1,390
$1,590
$800
$880
$1,070
$1,390
$1,590
$1,110
$1,200
$1,460
$1,860
$2,170
$1,020
$1,100
$1,340
$1,710
$1,990
$800
$880
$1,070
$1,390
$1,590
$940
$1,020
$1,240
$1,580
$1,840
$800
$880
$1,070
$1,390
$1,650
Choose up to four ZIPs.
Local rental households
2020–2024 ACS 5-year. Figures cover the selected county, which may be only part of the current HUD rental area.
Clark County, Indiana
Rental households
Rental households
12,942
Share of occupied homes rented
25.3%
Rent burden
Spend 30%+ of income on rent
45.4%
Spend 50%+ of income on rent
19.5%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
35.9%
Buildings with 2–4 units
17.7%
Buildings with 5+ units
42.0%
Other rental homes
4.4%
Estimates & margins of error
Clark County, Indiana · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
12,942
±811
Share of occupied homes rented
25.3%
±1.6 percentage points
Spend 30%+ of income on rent
45.4%
±4.5 percentage points
Spend 50%+ of income on rent
19.5%
±3.2 percentage points
Single-unit homes
35.9%
±4.5 percentage points
Buildings with 2–4 units
17.7%
±3.1 percentage points
Buildings with 5+ units
42.0%
±4.1 percentage points
Other rental homes
4.4%
±1.9 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Floyd County, Indiana
Rental households
Rental households
8,558
Share of occupied homes rented
26.8%
Rent burden
Spend 30%+ of income on rent
46.5%
Spend 50%+ of income on rent
22.9%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
31.9%
Buildings with 2–4 units
20.7%
Buildings with 5+ units
43.8%
Other rental homes
3.6%
Estimates & margins of error
Floyd County, Indiana · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
8,558
±519
Share of occupied homes rented
26.8%
±1.6 percentage points
Spend 30%+ of income on rent
46.5%
±4.5 percentage points
Spend 50%+ of income on rent
22.9%
±3.3 percentage points
Single-unit homes
31.9%
±3.7 percentage points
Buildings with 2–4 units
20.7%
±3.4 percentage points
Buildings with 5+ units
43.8%
±5.1 percentage points
Other rental homes
3.6%
±1.6 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Harrison County, Indiana
Rental households
Rental households
2,535
Share of occupied homes rented
16.4%
Rent burden
Spend 30%+ of income on rent
36.5%
Spend 50%+ of income on rent
14.1%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
45.8%
Buildings with 2–4 units
14.3%
Buildings with 5+ units
24.1%
Other rental homes
15.8%
Estimates & margins of error
Harrison County, Indiana · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
2,535
±294
Share of occupied homes rented
16.4%
±1.9 percentage points
Spend 30%+ of income on rent
36.5%
±7.2 percentage points
Spend 50%+ of income on rent
14.1%
±4.3 percentage points
Single-unit homes
45.8%
±7.5 percentage points
Buildings with 2–4 units
14.3%
±4.2 percentage points
Buildings with 5+ units
24.1%
±8.1 percentage points
Other rental homes
15.8%
±6.2 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Bullitt County, Kentucky
Rental households
Rental households
4,785
Share of occupied homes rented
15.1%
Rent burden
Spend 30%+ of income on rent
45.1%
Spend 50%+ of income on rent
25.5%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
39.9%
Buildings with 2–4 units
26.6%
Buildings with 5+ units
27.8%
Other rental homes
5.6%
Estimates & margins of error
Bullitt County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
4,785
±463
Share of occupied homes rented
15.1%
±1.4 percentage points
Spend 30%+ of income on rent
45.1%
±7.0 percentage points
Spend 50%+ of income on rent
25.5%
±5.9 percentage points
Single-unit homes
39.9%
±6.8 percentage points
Buildings with 2–4 units
26.6%
±5.7 percentage points
Buildings with 5+ units
27.8%
±5.5 percentage points
Other rental homes
5.6%
±2.5 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Henry County, Kentucky
Rental households
Rental households
1,459
Share of occupied homes rented
23.7%
Rent burden
Spend 30%+ of income on rent
57.7%
Spend 50%+ of income on rent
22.5%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
63.1%
Buildings with 2–4 units
14.7%
Buildings with 5+ units
16.0%
Other rental homes
6.2%
Estimates & margins of error
Henry County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
1,459
±201
Share of occupied homes rented
23.7%
±3.2 percentage points
Spend 30%+ of income on rent
57.7%
±11.5 percentage points
Spend 50%+ of income on rent
22.5%
±6.4 percentage points
Single-unit homes
63.1%
±7.6 percentage points
Buildings with 2–4 units
14.7%
±4.9 percentage points
Buildings with 5+ units
16.0%
±4.5 percentage points
Other rental homes
6.2%
±3.7 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Jefferson County, Kentucky
Rental households
Rental households
125,573
Share of occupied homes rented
37.9%
Rent burden
Spend 30%+ of income on rent
47.2%
Spend 50%+ of income on rent
23.4%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
29.9%
Buildings with 2–4 units
21.3%
Buildings with 5+ units
47.6%
Other rental homes
1.1%
Estimates & margins of error
Jefferson County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
125,573
±2,559
Share of occupied homes rented
37.9%
±0.7 percentage points
Spend 30%+ of income on rent
47.2%
±1.5 percentage points
Spend 50%+ of income on rent
23.4%
±1.1 percentage points
Single-unit homes
29.9%
±1.1 percentage points
Buildings with 2–4 units
21.3%
±1.1 percentage points
Buildings with 5+ units
47.6%
±1.7 percentage points
Other rental homes
1.1%
±0.3 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Oldham County, Kentucky
Rental households
Rental households
2,967
Share of occupied homes rented
12.9%
Rent burden
Spend 30%+ of income on rent
43.3%
Spend 50%+ of income on rent
19.5%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
45.5%
Buildings with 2–4 units
16.2%
Buildings with 5+ units
36.2%
Other rental homes
2.2%
Estimates & margins of error
Oldham County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
2,967
±334
Share of occupied homes rented
12.9%
±1.4 percentage points
Spend 30%+ of income on rent
43.3%
±8.6 percentage points
Spend 50%+ of income on rent
19.5%
±5.4 percentage points
Single-unit homes
45.5%
±7.1 percentage points
Buildings with 2–4 units
16.2%
±5.8 percentage points
Buildings with 5+ units
36.2%
±7.3 percentage points
Other rental homes
2.2%
±1.8 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Spencer County, Kentucky
Rental households
Rental households
881
Share of occupied homes rented
12.1%
Rent burden
Spend 30%+ of income on rent
45.0%
Spend 50%+ of income on rent
10.8%
Among renter households with a calculated rent-to-income ratio.
Rental housing types
Single-unit homes
61.9%
Buildings with 2–4 units
13.1%
Buildings with 5+ units
20.4%
Other rental homes
4.7%
Estimates & margins of error
Spencer County, Kentucky · 2020–2024 ACS 5-year · 90% margins of error
Measure
Estimate
Margin of error
Rental households
881
±208
Share of occupied homes rented
12.1%
±2.8 percentage points
Spend 30%+ of income on rent
45.0%
±11.3 percentage points
Spend 50%+ of income on rent
10.8%
±6.5 percentage points
Single-unit homes
61.9%
±14.5 percentage points
Buildings with 2–4 units
13.1%
±5.3 percentage points
Buildings with 5+ units
20.4%
±6.6 percentage points
Other rental homes
4.7%
±5.5 percentage points
These are survey estimates. Margins of error for percentages follow Census guidance; small differences may not be meaningful.
Census sources & definitions
2020–2024 ACS 5-year combines five years of survey responses. These describe the survey period, not today’s market. Rental households are renter-occupied homes. Housing types refer to the building containing each rental; “other” includes mobile homes, boats, RVs and similar housing.
Source: U.S. Census Bureau, tables B25003, B25070 and B25032. Statistical guidance. Data checked Sep 22, 2026. Rental Wire is not affiliated with or endorsed by the Census Bureau.
Start with the HUD benchmark or enter your expected lease rent. Price and cost defaults are examples, not local estimates.
Monthly cash flow before income tax
-$78
Based on example price and costs. Edit them for your property.
Lease rent used
$1,475
Upfront cash
$53,500
Sources, dates & coverage
Louisville, KY-IN HUD Metro FMR Area. HUD area ID: METRO31140M31140. Coverage: Clark County, IN; Floyd County, IN; Harrison County, IN; Bullitt County, KY; Henry County, KY; Jefferson County, KY; Oldham County, KY; Spencer County, KY.
HUD gross-rent benchmarks include tenant-paid basic utilities, excluding phone, cable and internet. They are not asking-rent quotes, approved Section 8 rents or housing-authority payment standards.
HUD data checked Sep 22, 2026. Changes can reflect methodology and geographic coverage as well as rents. Missing data and figures that cannot be compared are marked unavailable. Future schedules are labelled upcoming.
Source: U.S. Department of Housing and Urban Development. HUD public-domain reuse policy, section 1.D. Rental Wire is not affiliated with or endorsed by HUD. Retain the source, geography and fiscal year when sharing data.
Calculation assumptions
Cash flow is rent less vacancy, operating costs, replacement reserves and fixed-rate mortgage payments, including principal. Tax deductions, sale proceeds and appreciation are outside this first-year calculation. The target price uses the same rent, expense amounts, mortgage rate, down-payment percentage and closing-cost percentage. Property taxes and lender terms may change with the actual purchase price.
When using a HUD benchmark, we subtract tenant-paid utilities to estimate lease rent. Custom rent is used as entered. Add utilities you pay to operating costs. This does not determine a voucher subsidy or a housing authority's approved rent.