Public-data relocation dossier
Louisville/Jefferson County, Kentucky
Louisville/Jefferson County is a midrange housing-cost screen with moderate seasonal weather. Public benchmarks show ACS median gross rent at $1,017/mo and HUD 2BR Fair Market Rent at $1,301/mo; summer/winter markers are 89F/24F. The strongest screening signals are everyday practical access. Verify current listings, commute routes, neighborhood safety, and school boundaries before treating it as a fit.
Strongest category: Work (74/100). Category scores: cost and climate 72, work 74, daily life 47, community 53.
Public-data relocation screen for Louisville/Jefferson County
Walkability is a commute-derived estimate blended with public density data where available, not a third-party rating. ACS rent reflects existing renter stock; HUD 2BR Fair Market Rent is a separate public gross-rent benchmark. Food/nightlife use CBP establishment density, and the school signal blends ACS attainment with NCES public-school access. Coast, mountain, park, trail, ski, and beach distances are city-level GIS screening bands, not parcel-level access or travel-time measurements.
Cost, taxes, and climate
| ACS median gross rent | $1,017/mo | Census ACS existing-renter median gross rent |
|---|---|---|
| HUD 2BR Fair Market Rent | $1,301/mo | FY2026 benchmark for Louisville, KY-IN HUD Metro FMR Area |
| Median home value | $222,000 | ACS owner-occupied home value, rounded |
| Top state income tax | 3.5% | State top marginal wage/salary tax; local taxes excluded |
| Cost index | 5/10 | WhereToThrive relative cost score from public housing inputs |
Climate profile
| Summer high | 89°F | NOAA-derived summer temperature screen |
|---|---|---|
| Winter low | 24°F | NOAA-derived winter temperature screen |
| Sunshine | Moderate sun | Curated climate-normals sun level |
| Humidity | Moderate | Summer humidity, curated climate normals |
| Natural disaster risk | Moderate | Tertile band from the FEMA NRI composite — see Climate risk below |
Climate risk profile
Long-term natural-hazard screen from the FEMA National Risk Index (NRI December 2025 release (v1.20), collected 2026-07-13), aggregated from county records across 12 metro counties. Hazard levels are expected annual loss per resident, ranked across the 250 screened metros. This is a relative screen for research, not a forecast for any address.
| Climate-risk composite | 40/100 | Higher composite = lower expected annual loss per resident (inverted percentile across 250 screened metros) |
|---|---|---|
| Expected annual loss | $447/resident/yr | All 18 FEMA NRI hazards; county loss dollars aggregated to the metro |
| Social vulnerability | 42/100 | FEMA SOVI, population-weighted; higher means recovery tends to be harder |
| Community resilience | 74/100 | FEMA baseline resilience score, population-weighted; higher is more resilient |
Hazard breakdown
| Hurricane | 32th percentile | Negligible expected annual loss per resident |
|---|---|---|
| Coastal flooding | 0th percentile | Negligible expected annual loss per resident |
| Inland flooding | 85th percentile | $250/resident/yr expected annual loss; high relative to screened metros |
| Tornado | 95th percentile | $107/resident/yr expected annual loss; high relative to screened metros |
| Wildfire | 20th percentile | Negligible expected annual loss per resident |
| Heat wave | 42th percentile | $9/resident/yr expected annual loss; moderate relative to screened metros |
| Earthquake | 73th percentile | $26/resident/yr expected annual loss; moderately high relative to screened metros |
| Winter weather | 54th percentile | $1/resident/yr expected annual loss; moderate relative to screened metros |
| Drought | 35th percentile | Negligible expected annual loss per resident |
| Ice storm | 58th percentile | $2/resident/yr expected annual loss; moderate relative to screened metros |
Worst pocket within the metro: Jefferson County, KY screens relatively moderate for heat wave on FEMA's county index (96.7 vs the metro's population-weighted 79.8). Metro averages can hide county-level differences, so check the specific county you would live in.
FEMA's published NRI scores rank absolute expected-loss dollars, which can read as high risk for any large, high-value metro; this profile uses per-resident loss rates instead and keeps FEMA's county scores for the worst-pocket callout. Insurance availability and pricing vary faster than public data — verify current coverage quotes locally. How this aggregate is built.
Work: jobs, commute, and access
| Industry strengths | Healthcare, Manufacturing, Logistics | Project-maintained metro industry tags |
|---|---|---|
| Average commute | 25.6 min | ACS commute-time estimate |
| Airport access | Regional/no hub flag | Practical travel signal |
| Work pillar score | 74/100 | WhereToThrive work-market screen |
Daily life: outdoors, food, and walkability
| Outdoor score | 7/10 | Formula/curated score with GIS recreation inputs |
|---|---|---|
| Food score | 5/10 | Blends CBP restaurant density and curated context |
| Nightlife score | 5/10 | Blends CBP drinking-place density and context |
| Walkability estimate | 14/100 | Commute-and-density proxy, not third-party Walk Score |
| Restaurants (CBP) | 2,233 | 174.1 per 100k residents |
| Park / trail access | 0 mi / 38 mi | Public GIS screening distances |
| Coast / beach access | 458 mi / N/A | Screening distance bands |
| Mountain / ski access | 8 mi / 44 mi | Screening distance bands |
Community: safety, schools, and culture
| Safety score | 63/100 | Violent crime 302.6 and property crime 2,339 per 100k where available |
|---|---|---|
| Public schools (NCES) | 5/10 | 353 public schools; 27.5 per 100k |
| Diversity score | 4/10 | ACS-derived metro diversity signal |
| Political lean | 0.0 | State/metro political context; negative is more Democratic-leaning |
| Community pillar score | 53/100 | Safety, school, and diversity blend |
Louisville/Jefferson County FAQ
Is Louisville/Jefferson County, KY affordable?
Louisville/Jefferson County, KY has ACS median gross rent of $1,017/mo and HUD 2-bedroom Fair Market Rent of $1,301/mo. Those are public benchmarks, not apartment-listing quotes.
What is the climate like in Louisville/Jefferson County?
The climate screen shows a summer high around 89°F, winter low around 24°F, moderate sun conditions, and disaster-risk band 2/3.
Is Louisville/Jefferson County good for families?
The family screen combines school score 5/10, safety score 63/100, and 353 NCES public schools. It is a metro-level screen, not a school-district rating.
How should I use this Louisville/Jefferson County data?
Use it as a first-pass relocation shortlist. WhereToThrive labels sources, dates, and proxy fields so you can compare cities quickly, then verify neighborhoods, employers, schools, and housing options locally.
Explore around Louisville/Jefferson County
Nearest cities
- Lexington, KY 70 mi away
- Cincinnati, OH 89 mi away
- Bowling Green, KY 95 mi away
- Evansville, IN 99 mi away
- Indianapolis, IN 107 mi away
Comparisons
Provenance — Data coverage 11 of 11 core sources · 14 direct/curated | 10 formula/proxy · updated 2026-07-13 (view details)
Data quality
These labels explain whether each field is direct, curated, formula-derived, a proxy or fallback estimate, or unavailable.
- Population: Direct public metric
- ACS median gross rent: Direct public metric
- HUD Fair Market Rent: Direct public metric
- Median home value: Direct public metric
- Climate: Curated public-data blend
- Climate risk (FEMA NRI): Formula-derived score
- Employment: Curated public-data blend
- Average commute: Direct public metric
- Walkability: Formula-derived score
- Safety: Curated public-data blend
- Political lean: Curated public-data blend
- Coordinates: Curated public-data blend
- Geographic proximity: Formula-derived score
- Outdoor recreation: Formula-derived score
- State tax: Curated public-data blend
- Cost index: Formula-derived score
- Restaurant density: Direct public metric
- Food score: Formula-derived score
- Nightlife score: Formula-derived score
- Outdoor score: Formula-derived score
- Diversity score: Direct public metric
- Public school access: Direct public metric
- School score: Formula-derived score
- CMS hospital ratings: Formula-derived score
Data Sources
- Demographics and housing: U.S. Census Bureau ACS 5-year estimates City label: US Census ACS 2022 5-year
- HUD Fair Market Rents: HUD Fair Market Rents geospatial feature service City label: HUD FY2026 Fair Market Rents
- CMS Care Compare hospital quality: CMS Care Compare Hospital General Information City label: CMS Care Compare hospital star ratings (metro-proximity formula)
- Climate: NOAA climate normals local pipeline City label: NOAA climate normals local pipeline
- Climate risk (FEMA NRI): FEMA National Risk Index county aggregate City label: FEMA National Risk Index county aggregate
- Employment: BLS local employment pipeline City label: BLS local employment pipeline
- Commute and walkability: U.S. Census Bureau ACS commute tables City label: US Census ACS commute tables
- Safety: FBI Crime Data / UCR local aggregate City label: FBI Crime Data API local aggregate
- Political lean: County election aggregate City label: county election aggregate
- Location: Metro concordance and coordinate overrides City label: metro-concordance
- Geographic proximity: WhereToThrive GIS-derived geography reference City label: Natural Earth GIS-derived geography reference
- Outdoor recreation geography: WhereToThrive public outdoor recreation GIS metrics City label: USGS/USFS/NOAA public outdoor recreation GIS metrics
- Restaurant and nightlife access: U.S. Census Bureau County Business Patterns metro file City label: Census County Business Patterns 2023 restaurant density
- Public school access: NCES EDGE public school locations City label: NCES EDGE 2024-25 public school locations
- State tax: Tax Foundation State Individual Income Tax Rates and Brackets City label: Tax Foundation 2026 state individual income tax table
- Editorial scoring: WhereToThrive editorial formulas and curated overrides City label: WhereToThrive editorial formulas and curated overrides
- Methodology: How scores and source labels are calculated
Compare Louisville/Jefferson County against your own constraints
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