Housing Needs Assessment

The Housing Needs Assessment (HNA) provides the city’s first in-depth analysis of housing stock across Louisville-Jefferson County. Commissioned by Louisville Metro’s Office of Housing and Community Development and the Louisville Affordable Housing Trust Fund (LAHTF), the assessment is updated every five years. The first HNA was released in February 2019, with an update released in March 2024.


Graphic showing unmet need and housing surplus based on income levels

 The 2024 Housing Needs Assessment found that, from 2016 to 2021, Louisville saw an increase of nearly 18,400 housing units available and affordable to the city’s lowest income residents. The increase is due to a combination of factors, including new construction and existing housing stock that is now priced at a level that is affordable to those earning 30% of area median income or less ($26,900 a year for a family of four).

Despite this, the unmet need for housing for the city’s lowest income residents grew 15% to 36,160 units, and more than a quarter of Louisville households remain cost burdened, meaning they pay more than 30% of their income toward housing expenses. More than 11% are severely cost burdened, paying more than 50% for housing expenses.

Executive Summary

2024 Housing Needs Assessment

The HNA is conducted to provide detailed housing data that helps inform potential strategies that Louisville Metro Government, the Trust Fund, for-profit developers and nonprofit developers can use to identify potential policies and development and investment strategies to increase housing opportunities for all members of our community.

The HNA examines data within three key spheres:

  1. Health is defined by the financial stability of residents, the quality of housing stock, and the pace and type of development activity in the housing market within each neighborhood.
  2. Diversity is described by the availability of myriad housing typologies and location preferences that meet the needs of Louisville’s increasingly diverse residents.
  3. Equity is determined by the accessibility of opportunities for economic mobility within each neighborhood, such as income growth and wealth building.

2019 Housing Needs Assessment

To view, the 22 market area profiles updated in the 2024 Housing Needs Assessment, click on the market areas below. 

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