Louisville VA Loan Rates, Closing Costs & Stats

LOUISVILLE, KY

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Louisville's 137 lenders originated 1,859 VA loans during 2024. The total origination value was $598,945,000, with an average VA loan value of $322,187.

    Louisville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Louisville averaged 6.78% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Louisville's average VA mortgage closing costs are $5,674.

    The average rate for the prior week (2025-05-16) was 6.67% and one month ago for the week of 2025-04-18, the average rate was 6.74%.

    The average rate one year ago was 7.16%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.73%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Louisville VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Louisville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 236 6.36% $6,197
    UNITED WHOLESALE MORTGAGE, LLC 223 6.09% $6,825
    FREEDOM MORTGAGE CORPORATION 174 6.31% $7,236
    QUICKEN LOANS, LLC 129 6.15% $9,677
    PENNYMAC LOAN SERVICES, LLC 61 5.78% $7,591
    NAVY FEDERAL CREDIT UNION 50 5.88% $4,830
    Northpointe Bank 44 6.30% $9,198
    VICTORY MORTGAGE, L.L.C. 44 5.39% $8,923
    USAA Federal Savings Bank 39 6.25% $7,970
    Magnolia Bank 38 6.25% $9,423
    CROSSCOUNTRY MORTGAGE, LLC 32 6.40% $6,156
    NEW DAY FINANCIAL, LLC 31 7.55% $10,979
    STOCKTON MORTGAGE CORPORATION 27 6.50% $9,081
    Paramount Residential Mortgage Group, Inc. 26 6.58% $6,831
    VILLAGE CAPITAL MORTGAGE 26 5.95% $5,487
    Century Mortgage Company DBA Century Lending Company 24 6.11% $7,313
    The Federal Savings Bank 23 6.32% $14,577
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.64% $8,566
    RUOFF MORTGAGE COMPANY, INC. 19 6.59% $4,998
    NEWREZ LLC 17 6.13% $6,721
    Prosperity Home Mortgage, LLC 16 6.42% $9,555
    VANDERBILT MORTGAGE AND FINANCE, INC. 15 5.78% $7,764
    INTERLINC MORTGAGE SERVICES, LLC 15 6.85% $5,380
    Equity Prime Mortgage LLC 14 6.88% $10,067
    GUILD MORTGAGE COMPANY 14 6.08% $5,965
    LOANDEPOT.COM, LLC 13 6.26% $12,134
    MUTUAL OF OMAHA MORTGAGE, INC. 13 6.33% $13,081
    Barrington Bank & Trust Company, N.A. 13 6.68% $9,063
    GUARANTEED RATE, INC. 12 6.27% $3,362
    NBKC BANK 12 5.99% $5,549
    DHI MORTGAGE COMPANY, LTD. 12 5.20% $4,468
    Stock Yards Bank & Trust Company 11 6.28% $8,065
    PULTE MORTGAGE LLC 11 5.10% $6,758
    PLANET HOME LENDING, LLC 11 5.33% $4,801
    Mr. Cooper ( Nationstar Mortgage ) 11 6.33% $10,334
    THE MORTGAGE WAREHOUSE,LLC 11 6.42% $7,112
    HOMESIDE FINANCIAL, LLC 10 6.44% $11,262
    MORTGAGE SOLUTIONS OF COLORADO, LLC 10 6.76% $5,470
    Fifth Third Bank 10 6.44% $4,936
    CLEARPATH LENDING 9 5.68% $5,422
    AMERISAVE MORTGAGE CORPORATION 9 6.35% $14,245
    UNION HOME MORTGAGE CORP. 9 6.43% $7,744
    CMG MORTGAGE, INC. 8 6.17% $7,802
    Republic Bank & Trust Company 8 6.17% $4,495
    BROKER SOLUTIONS, INC. 8 6.53% $11,196
    Flagstar Bank, FSB 8 6.56% $4,096
    LAKEVIEW LOAN SERVICING, LLC 8 5.80% $5,139
    Carrington Mortgage Services, LLC 7 5.79% $8,432
    The Loan Store, Inc. 7 6.23% $11,350
    PNC Bank 7 6.77% $5,871
    AmeriHome Mortgage Company, LLC 6 6.37% $9,862
    PENTAGON FEDERAL CREDIT UNION 6 6.06% $7,882
    Plains Commerce Bank 6 6.63% $6,876
    EVANSVILLE TEACHERS 6 6.65% $9,638
    EVERETT FINANCIAL, INC. 5 6.70% $6,891
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.55% $5,096
    NORWICH COMMERCIAL GROUP, INC. 5 6.53% $3,895
    U.S. Bank 5 6.52% $12,939
    INSPIRE HOME LOANS INC. 4 5.94% $5,745
    Strong Home Mortgage, LLC 4 5.75% $11,376
    T2 FINANCIAL LLC 4 6.97% $12,948
    FAIR WAY LENDING LLC 4 6.22% $3,283
    JPMorgan Chase Bank 4 6.09% $8,135
    German American Bank 4 6.34% $7,143
    Armed Forces Bank 4 5.78% $6,866
    ENVOY MORTGAGE, LTD 4 6.50% $14,070
    First Federal Bank 4 5.59% $7,915
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.58% $2,438
    Mid-Continent Funding, Inc. 3 6.13% $13,491
    SOUTH CENTRAL BANK, INC. 3 6.38% $3,172
    Lakeview Community Capital, LLC 3 5.75% $6,484
    NATIONS DIRECT MORTGAGE, LLC 3 6.08% $8,986
    SUN WEST MORTGAGE COMPANY, INC. 3 5.91% $5,701
    Texana Bank 3 5.92% $9,182
    Traditional Bank, Inc. 2 6.50% $7,088
    ISERVE RESIDENTIAL LENDING, LLC 2 6.25% $14,581
    North American Savings Bank, F.S.B. 2 5.94% $2,836
    SOUTHWEST FUNDING, LP 2 6.63% $17,702
    FBC MORTGAGE, LLC 2 6.50% $5,410
    CANOPY MORTGAGE, LLC 2 6.25% $9,339
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.50% $6,395
    Service Federal Credit Union 2 6.38% $6,110
    BAY EQUITY LLC 2 5.63% $8,903
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.00% $5,763
    The Park National Bank 2 5.75% $3,968
    ON Q FINANCIAL, INC. 2 7.19% $6,791
    AMERICAN FINANCIAL NETWORK, INC. 2 7.00% $2,934
    ALLIED MORTGAGE GROUP, INC. 2 6.25% $7,812
    ROYAL UNITED MORTGAGE LLC 1 6.13% $10,571
    CHURCHILL MORTGAGE CORPORATION 1 5.75% $17,010
    SeaTrust Mortgage Company 1 7.00% $3,122
    Sierra Pacific Mortgage Company, Inc. 1 5.99% $6,318
    SIRVA MORTGAGE, INC. 1 6.50% $5
    SOUTHWEST STAGE FUNDING, LLC 1 5.88% $471
    CARDINAL FINANCIAL 1 6.75% $6,265
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.50% $8,296
    Blue Ridge Bank 1 6.88% $6,896
    TJC Mortgage, Inc. 1 5.88% $11,380
    Towne Bank 1 5.25% $6,143
    TOWNE MORTGAGE COMPANY 1 7.25% $9,349
    Truist 1 6.25% $2,996
    Ameris Bank 1 6.63% $3,061
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $3,709
    Wolfe Financial, Inc 1 7.13% $4,904
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $15,032
    Waterstone Mortgage Corporation 1 7.25% $7,880
    Wells Fargo Bank 1 6.75% $4,482
    GVC MORTGAGE, INC. 1 6.75% $1,775
    Guardian Savings Bank, A Federal Savings Bank 1 6.50% $8,371
    JMAC LENDING, INC. 1 6.00% $5,369
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $6,828
    LIBERTY HOME MORTGAGE CORPORATION 1 6.75% $16,817
    GoPrime Mortgage, Inc. 1 6.13% $2,624
    GERSHMAN INVESTMENT CORP. 1 6.25% $17,480
    MORTGAGE ACCESS CORP. 1 6.75% $12,569
    GENEVA FINANCIAL, LLC 1 6.13% $15,697
    Forcht Bank 1 5.63% $5,028
    First United Bank and Trust Company 1 6.63% $5,107
    Nations Lending Corporation 1 5.88% $9,550
    First Financial Bank 1 6.75% $8,277
    FIRST COMMUNITY MORTGAGE, INC. 1 5.75% $4,898
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $1,114
    WesBanco 1 6.63% $2,473
    Old National Bank 1 5.88% $4,481
    Abound Federal Credit Union 1 6.25% $4,146
    EQUITY RESOURCES, INC. 1 6.63% $9,595
    ENDEAVOR CAPITAL, LLC. 1 5.75% $3,707
    PLAZA HOME MORTGAGE, INC. 1 7.25% $19,561
    EMM LOANS LLC 1 6.75% $7,764
    POLARIS HOME FUNDING CORP. 1 6.13% $2,140
    PREMIA MORTGAGE, LLC 1 6.00% $77
    Presidential Bank, FSB 1 6.13% $15,991
    DAS Acquisition Company, LLC 1 6.63% $1,380
    Credence Funding Corporation 1 5.38% $6,410
    Cornerstone First Mortgage, Inc 1 5.50% $7,447
    Regions Bank 1 6.75% $3,265
    Citizens Bank 1 6.50% $2,066

    The top Louisville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 236 VA loans originated. Their average total fees are $6,197, which is $628 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Louisville VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($3,362), DHI MORTGAGE COMPANY, LTD. ($4,468), PLANET HOME LENDING, LLC ($4,801), NAVY FEDERAL CREDIT UNION ($4,830) and Fifth Third Bank ($4,936).

    The lowest rate Louisville VA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC (5.10%), DHI MORTGAGE COMPANY, LTD. (5.20%), PLANET HOME LENDING, LLC (5.33%), VICTORY MORTGAGE, L.L.C. (5.39%) and PENNYMAC LOAN SERVICES, LLC (5.78%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Louisville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $233,400 (22.4%) $307,022 (12.2%) 0.87 3,376
    2018-02-01 $239,950 (18.5%) $316,217 (9.0%) 0.87 3,169
    2018-03-01 $254,900 (16.9%) $324,697 (8.0%) 0.89 3,138
    2018-04-01 $256,500 (11.6%) $324,914 (4.8%) 0.87 3,237
    2018-05-01 $265,407 (10.6%) $337,455 (4.8%) 0.89 3,431
    2018-06-01 $265,900 (10.8%) $340,049 (6.0%) 0.89 3,693
    2018-07-01 $266,450 (11.1%) $339,427 (6.7%) 0.89 3,801
    2018-08-01 $264,900 (10.0%) $340,743 (6.3%) 0.89 3,922
    2018-09-01 $264,700 (10.8%) $339,752 (7.4%) 0.89 4,102
    2018-10-01 $257,750 (11.7%) $332,874 (7.6%) 0.87 4,285
    2018-11-01 $250,700 (9.1%) $332,908 (8.7%) 0.85 4,256
    2018-12-01 $249,000 (9.9%) $320,449 (6.3%) 0.86 4,025
    2019-01-01 $248,450 (6.5%) $316,718 (3.2%) 0.86 3,716
    2019-02-01 $257,950 (7.5%) $328,345 (3.8%) 0.87 3,384
    2019-03-01 $269,814 (5.9%) $342,160 (5.4%) 0.88 3,293
    2019-04-01 $279,675 (9.0%) $357,206 (9.9%) 0.89 3,467
    2019-05-01 $283,950 (7.0%) $366,312 (8.6%) 0.89 3,642
    2019-06-01 $279,900 (5.3%) $363,976 (7.0%) 0.87 3,797
    2019-07-01 $271,400 (1.9%) $352,088 (3.7%) 0.85 4,031
    2019-08-01 $264,182 (-0.3%) $343,903 (0.9%) 0.84 4,147
    2019-09-01 $256,205 (-3.2%) $333,938 (-1.7%) 0.82 4,178
    2019-10-01 $249,950 (-3.0%) $324,372 (-2.6%) 0.81 4,211
    2019-11-01 $242,000 (-3.5%) $317,280 (-4.7%) 0.79 4,064
    2019-12-01 $236,400 (-5.1%) $312,284 (-2.6%) 0.79 3,638
    2020-01-01 $238,570 (-4.0%) $314,411 (-0.7%) 0.80 3,318
    2020-02-01 $249,975 (-3.1%) $325,617 (-0.8%) 0.82 2,995
    2020-03-01 $267,200 (-1.0%) $343,166 (0.3%) 0.84 2,828
    2020-04-01 $270,000 (-3.5%) $347,688 (-2.7%) 0.85 2,860
    2020-05-01 $289,900 (2.1%) $364,163 (-0.6%) 0.88 2,636
    2020-06-01 $289,900 (3.6%) $375,248 (3.1%) 0.85 2,326
    2020-07-01 $289,900 (6.8%) $380,615 (8.1%) 0.84 2,156
    2020-08-01 $285,000 (7.9%) $373,825 (8.7%) 0.82 2,064
    2020-09-01 $271,925 (6.1%) $366,363 (9.7%) 0.78 2,132
    2020-10-01 $260,000 (4.0%) $365,018 (12.5%) 0.75 2,110
    2020-11-01 $249,900 (3.3%) $357,092 (12.6%) 0.73 2,128
    2020-12-01 $246,750 (4.4%) $348,011 (11.4%) 0.73 2,001
    2021-01-01 $249,900 (4.8%) $350,921 (11.6%) 0.75 1,683
    2021-02-01 $261,325 (4.5%) $365,865 (12.4%) 0.76 1,318
    2021-03-01 $267,900 (0.3%) $374,544 (9.1%) 0.76 1,281
    2021-04-01 $274,900 (1.8%) $384,375 (10.6%) 0.74 1,326
    2021-05-01 $279,900 (-3.5%) $389,089 (6.8%) 0.74 1,298
    2021-06-01 $282,500 (-2.6%) $392,930 (4.7%) 0.74 1,484
    2021-07-01 $275,000 (-5.1%) $374,962 (-1.5%) 0.73 1,763
    2021-08-01 $269,938 (-5.3%) $369,085 (-1.3%) 0.72 1,971
    2021-09-01 $259,900 (-4.4%) $359,538 (-1.9%) 0.69 2,025
    2021-10-01 $259,900 (0.0%) $353,845 (-3.1%) 0.69 2,076
    2021-11-01 $250,000 (0.0%) $348,515 (-2.4%) 0.67 2,014
    2021-12-01 $259,900 (5.3%) $353,279 (1.5%) 0.70 1,754
    2022-01-01 $265,000 (6.0%) $353,914 (0.9%) 0.72 1,502
    2022-02-01 $282,400 (8.1%) $370,359 (1.2%) 0.73 1,223
    2022-03-01 $292,450 (9.2%) $380,290 (1.5%) 0.73 1,219
    2022-04-01 $295,000 (7.3%) $383,436 (-0.2%) 0.70 1,259
    2022-05-01 $299,425 (7.0%) $382,568 (-1.7%) 0.68 1,590
    2022-06-01 $299,900 (6.2%) $385,327 (-1.9%) 0.67 1,846
    2022-07-01 $299,900 (9.1%) $374,304 (-0.2%) 0.68 2,178
    2022-08-01 $299,900 (11.1%) $370,691 (0.4%) 0.69 2,333
    2022-09-01 $299,925 (15.4%) $369,434 (2.8%) 0.70 2,332
    2022-10-01 $299,900 (15.4%) $363,106 (2.6%) 0.71 2,494
    2022-11-01 $290,000 (16.0%) $353,559 (1.5%) 0.70 2,606
    2022-12-01 $295,000 (13.5%) $355,294 (0.6%) 0.73 2,384
    2023-01-01 $298,500 (12.6%) $359,632 (1.6%) 0.74 2,101
    2023-02-01 $299,900 (6.2%) $370,814 (0.1%) 0.72 1,828
    2023-03-01 $299,913 (2.6%) $372,679 (-2.0%) 0.71 1,718
    2023-04-01 $319,000 (8.1%) $390,333 (1.8%) 0.74 1,614
    2023-05-01 $319,950 (6.9%) $399,043 (4.3%) 0.73 1,661
    2023-06-01 $319,950 (6.7%) $398,808 (3.5%) 0.72 1,796
    2023-07-01 $319,900 (6.7%) $392,661 (4.9%) 0.73 1,892
    2023-08-01 $322,400 (7.5%) $389,719 (5.1%) 0.74 2,000
    2023-09-01 $315,250 (5.1%) $387,650 (4.9%) 0.73 2,166
    2023-10-01 $307,475 (2.5%) $376,712 (3.8%) 0.72 2,460
    2023-11-01 $299,995 (3.5%) $372,479 (5.4%) 0.71 2,598
    2023-12-01 $299,900 (1.7%) $371,069 (4.4%) 0.73 2,483
    2024-01-01 $308,950 (3.5%) $378,077 (5.1%) 0.75 2,242
    2024-02-01 $310,975 (3.7%) $379,795 (2.4%) 0.75 2,049
    2024-03-01 $315,000 (5.0%) $391,456 (5.0%) 0.74 1,954
    2024-04-01 $326,950 (2.5%) $406,064 (4.0%) 0.76 2,005
    2024-05-01 $329,000 (2.8%) $416,655 (4.4%) 0.75 2,196
    2024-06-01 $329,900 (3.1%) $415,853 (4.3%) 0.75 2,305
    2024-07-01 $326,998 (2.2%) $416,795 (6.2%) 0.75 2,540
    2024-08-01 $319,900 (-0.8%) $413,336 (6.1%) 0.74 2,654
    2024-09-01 $319,700 (1.4%) $408,201 (5.3%) 0.75 2,825
    2024-10-01 $317,450 (3.2%) $407,054 (8.1%) 0.75 2,918
    2024-11-01 $309,900 (3.3%) $396,223 (6.4%) 0.74 3,023
    2024-12-01 $305,600 (1.9%) $387,486 (4.4%) 0.76 2,821
    2025-01-01 $305,950 (-1.0%) $388,051 (2.6%) 0.76 2,598
    2025-02-01 $309,950 (-0.3%) $395,674 (4.2%) 0.75 2,455
    2025-03-01 $320,000 (1.6%) $401,570 (2.6%) 0.75 2,373
    2025-04-01 $324,950 (-0.6%) $408,265 (0.5%) 0.75 2,464
    Louisville's median listing price for 2025-04-01 was $324,950, a difference of $-2,000 (-0.6%) versus the prior year and $4,950 versus the prior month.

    Louisville's median listing price comes in at 75% of the national average.

    Louisville's average listing price for 2025-04-01 was $408,265, a difference of $2,201 (0.5%) versus the prior year and $6,695 versus the prior month.

    For the 2025-04-01 period, Louisville had 2,464 MLS listings, a difference of 91 listings (4%) versus the prior month and 459 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Louisville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 73 days 1,972 sqft
    2018-02-01 64 days 1,986 sqft
    2018-03-01 45 days 2,038 sqft
    2018-04-01 44 days 2,076 sqft
    2018-05-01 39 days 2,108 sqft
    2018-06-01 40 days 2,150 sqft
    2018-07-01 43 days 2,124 sqft
    2018-08-01 43 days 2,127 sqft
    2018-09-01 46 days 2,114 sqft
    2018-10-01 49 days 2,082 sqft
    2018-11-01 53 days 2,063 sqft
    2018-12-01 61 days 2,023 sqft
    2019-01-01 68 days 2,008 sqft
    2019-02-01 64 days 2,047 sqft
    2019-03-01 55 days 2,096 sqft
    2019-04-01 44 days 2,150 sqft
    2019-05-01 44 days 2,209 sqft
    2019-06-01 44 days 2,185 sqft
    2019-07-01 44 days 2,126 sqft
    2019-08-01 45 days 2,079 sqft
    2019-09-01 45 days 2,029 sqft
    2019-10-01 46 days 1,983 sqft
    2019-11-01 51 days 1,940 sqft
    2019-12-01 63 days 1,854 sqft
    2020-01-01 70 days 1,865 sqft
    2020-02-01 60 days 1,900 sqft
    2020-03-01 47 days 1,955 sqft
    2020-04-01 50 days 1,965 sqft
    2020-05-01 54 days 2,000 sqft
    2020-06-01 42 days 2,000 sqft
    2020-07-01 39 days 1,985 sqft
    2020-08-01 36 days 1,973 sqft
    2020-09-01 32 days 1,895 sqft
    2020-10-01 31 days 1,884 sqft
    2020-11-01 34 days 1,809 sqft
    2020-12-01 40 days 1,753 sqft
    2021-01-01 46 days 1,743 sqft
    2021-02-01 37 days 1,755 sqft
    2021-03-01 28 days 1,787 sqft
    2021-04-01 23 days 1,761 sqft
    2021-05-01 22 days 1,783 sqft
    2021-06-01 19 days 1,824 sqft
    2021-07-01 22 days 1,803 sqft
    2021-08-01 24 days 1,803 sqft
    2021-09-01 30 days 1,787 sqft
    2021-10-01 30 days 1,762 sqft
    2021-11-01 32 days 1,706 sqft
    2021-12-01 41 days 1,685 sqft
    2022-01-01 46 days 1,652 sqft
    2022-02-01 35 days 1,692 sqft
    2022-03-01 23 days 1,698 sqft
    2022-04-01 22 days 1,722 sqft
    2022-05-01 21 days 1,781 sqft
    2022-06-01 22 days 1,820 sqft
    2022-07-01 26 days 1,815 sqft
    2022-08-01 31 days 1,816 sqft
    2022-09-01 37 days 1,823 sqft
    2022-10-01 37 days 1,836 sqft
    2022-11-01 43 days 1,800 sqft
    2022-12-01 52 days 1,800 sqft
    2023-01-01 56 days 1,794 sqft
    2023-02-01 45 days 1,779 sqft
    2023-03-01 38 days 1,778 sqft
    2023-04-01 36 days 1,877 sqft
    2023-05-01 32 days 1,861 sqft
    2023-06-01 30 days 1,840 sqft
    2023-07-01 31 days 1,880 sqft
    2023-08-01 33 days 1,910 sqft
    2023-09-01 32 days 1,867 sqft
    2023-10-01 33 days 1,848 sqft
    2023-11-01 38 days 1,807 sqft
    2023-12-01 50 days 1,780 sqft
    2024-01-01 54 days 1,793 sqft
    2024-02-01 47 days 1,799 sqft
    2024-03-01 41 days 1,811 sqft
    2024-04-01 39 days 1,861 sqft
    2024-05-01 34 days 1,873 sqft
    2024-06-01 36 days 1,895 sqft
    2024-07-01 37 days 1,881 sqft
    2024-08-01 39 days 1,871 sqft
    2024-09-01 39 days 1,867 sqft
    2024-10-01 40 days 1,877 sqft
    2024-11-01 44 days 1,841 sqft
    2024-12-01 51 days 1,784 sqft
    2025-01-01 59 days 1,757 sqft
    2025-02-01 51 days 1,736 sqft
    2025-03-01 41 days 1,764 sqft
    2025-04-01 39 days 1,763 sqft
    Louisville's median listing age (time on market) for 2025-04-01 was 39 days. This is -1% shorter than the same period one year ago.

    Louisville's median square footage for active listings during the 2025-04-01 period was 1,763 sqft. One year prior, the average listing was 1,861 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.