Counties / Kentucky / Henry County

Henry County, KY

FIPS 21103 · population 15,856 · part of Louisville, KY

$253k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$253k
▲ 1.0% year over year
Zillow ZHVI · direct
ACS median gross rent
$895
occupied-unit survey; not current asking rent
Census ACS · surveyed
Gross yield
n/a
gross yield cannot be computed without measured market rent
requires both measured price and measured rent
HUD 2-bed standard
$1,272
the Section 8 payment standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+52.8%not annualized · through 2025
0%ZILLOW ZHVI2026-06+1.0%FHFA HPI2025+5.3%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$198k
Surveyed gross rent$895
Rent burden 30%+57.7%
Median year built1977
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
8.3%vacant
6,705estimated housing units
Occupied tenure23.7% renter
owner 76.3%renter 23.7%
Structure mix82.1% single-family
Single-family 82.1%20+ units 2.0%Mobile home 10.2%Other 5.7%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs3,044▲ 5.3% from the prior annual release
Covered establishments419annual average reporting locations
Average weekly wage$1,009▲ 5.4% from the prior annual release
Largest private supersectorTrade, transportation, and utilities30.0% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+5.3%WEEKLY WAGE+5.4%Trade, transportation, and utilities30.0%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Henry County’s decision tension is a $253,447 Zillow median home-value basis in the 2026-06 county observation, up 1% year over year, alongside an FHFA repeat-transaction HPI increase of 5.31% in its separate 2025 annual observation. The measures directionally agree but differ in method and vintage; the HPI is not a home value. Investors needing current income support should investigate, while those relying on price momentum alone should be cautious.

02Housing economics

Carrying-cost underwriting is incomplete. The effective property-tax rate is 0.81%; the record also supplies a median annual tax, but parcel bills and assessments need verification. Market asking rent is not published, so gross yield cannot be calculated. HUD’s $1,272 two-bedroom FMR is a payment standard rather than an asking-rent estimate and cannot fill the rent gap. Thus the record cannot test income coverage of taxes or other operating costs.

03Demand & competition

Demand and buyer-competition evidence is constructive but narrow. QCEW’s 2025 annual average shows 3,044 covered jobs at county workplaces, growing 5.26%; it is neither resident employment nor an unemployment measure. Trade, transportation, and utilities, the largest disclosed private supersector, represented 30.03% of private covered employment, a concentration to examine rather than a description of the whole economy. Tax-return migration was net positive by 15 households, with inbound average AGI $7,902 higher than outbound; this does not establish tenant demand. Investor purchases were 17 of 218 total purchases, indicating participation but not cash-buyer volume or pricing power.

04Risk & next checks

Inland flood is the dominant hazard, and modeled annual building-value loss equals 0.15%; it does not identify a property’s flood exposure, insurance premium, deductible, or mitigation need. Realtor.com MLS listing price, active listings, days on market, and price-reduction data are not published, so visible supply, seller concessions, and marketing time cannot be assessed. Next checks are parcel flood and insurance records, current market rents and leases, property tax bills, condition, and comparable closed sales.

Cities & communities

Where people live within Henry County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Eminence city2.7KPleasureville city*1.1KNew Castle city1.1KCampbellsburg city1KSmithfield city153
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

5 Census places

Population
  1. 01
    Eminence cityIncorporated place
    2,724
  2. 02
    Pleasureville cityIncorporated place · spans 2 counties
    1,123
  3. 03
    New Castle cityIncorporated place
    1,052
  4. 04
    Campbellsburg cityIncorporated place
    1,016
  5. 05
    Smithfield cityIncorporated place
    153

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.149% of building value expected lost per year

Effective property tax0.81%

$1,611 median annual bill

02
DemandIRS SOI household flows
Net migration+15

466 in · 451 out

Arriving vs leaving income+$7,902

$57,328 arriving · $49,426 leaving

03
CompetitionHMDA financed purchases
Purchases by investors7.8%

17 of 218 mortgages

investorother financed
No rent index is published for this county.Zillow’s county rent series does not cover every county, and estimating one from a neighbouring county would be a guess wearing a number’s clothes. Everything above is measured here; for a rent figure, the Louisville, KY page covers the wider market.
Same metro

The other counties in Louisville, KY

A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.

CountyPopulationPriceRentYieldHazard
Henry County15,856$253kn/an/ainland flooding
Jefferson County783,022$271k$1,4006.2%inland flooding
Clark County124,354$270k$1,3045.8%inland flooding
Bullitt County84,027$299k$1,5136.1%inland flooding
Floyd County80,918$292k$1,1934.9%inland flooding
Oldham County69,257$453k$1,8925.0%inland flooding
Shelby County49,096$329k$1,4725.4%inland flooding
Nelson County47,606$270k$1,1675.2%inland flooding
Harrison County39,859$272kn/an/ainland flooding
Bear case

What can break the county thesis

  1. Market rents, lease terms, and operating costs could make the purchase basis unsupported by property income.
  2. Parcel-level flood exposure or insurance terms could differ materially from the county-level modeled hazard measure.
  3. Covered-job growth, tax-return migration, and investor purchases may not translate into durable tenant demand or buyer depth.
Underwriting questions

Before pricing a property

Can gross yield be calculated from this record?

No. Market asking rent is not published, and HUD FMR cannot be substituted for market rent.

What does the supplied employment figure measure?

It measures annual average covered jobs at workplaces in the county, not resident employment or unemployment.

Can current MLS supply conditions be assessed?

No. Realtor.com listing price, active-listing, marketing-time, and price-reduction figures are not published.