There are 471 condos for sale in the Louisville area today (November 8, 2026), from $52,999 to $3,995,000, with a median asking price of about $215,000. Half of them are priced between $155,000 and $314,950. That is a wider spread than any other property type in the city, because "condo" in Louisville covers a 1970s garden-style unit off Hurstbourne Parkway, a converted warehouse loft in NuLu, a riverfront tower in Downtown, a Norton Commons townhome-style condo and a brick quad in the Highlands. This guide covers where they are, what they cost, what the HOA fee really buys, how condo financing differs, and how to tell a well-run building from one that is about to hit you with a special assessment.
Louisville condo prices right now
Here is how today's condo inventory breaks out by asking price. Most of the volume sits under $400,000, which is why condos are the usual entry point for first-time buyers who want to be inside the Watterson Expressway and for downsizers who want one floor and no yard.
- Under $200,000: 204 homes
- $200,000 to $300,000: 140 homes
- $300,000 to $400,000: 68 homes
- $400,000 to $600,000: 46 homes
- $600,000 to $1,000,000: 9 homes
- $1,000,000 and up: 4 homes
The median listed condo is about 1,185 square feet. Price per square foot runs from roughly $120 in older garden-style complexes in Buechel, Okolona and the south end to $400-plus in new Downtown and Norton Commons buildings. The HOA fee is the number that changes the math: a $180,000 condo with a $420 monthly fee can cost more per month than a $230,000 condo with a $150 fee.
Where Louisville's condos are, by ZIP code
Condos cluster in a handful of ZIP codes. Each link below opens the full ZIP guide with current prices and a live search for that area.
- 40206 (Clifton): 36 for sale
- 40299 (Jeffersontown (J-town) and Fern Creek North): 36 for sale
- 40223 (Plainview): 34 for sale
- 40207 (St. Matthews): 33 for sale
- 40205 (Upper Highlands): 32 for sale
- 40202 (Downtown Louisville): 31 for sale
- 40291 (Fern Creek): 30 for sale
- 40241 (Springhurst): 24 for sale
Downtown, NuLu and Butchertown (40202, 40206)
Loft conversions, the Waterfront Park Place and Fleur de Lis towers, and newer mid-rise buildings along Main and Market. These carry the highest fees in the city (secured parking, elevators, doormen and amenity decks are all in the fee) and the highest resale prices per square foot. See the Downtown guide and the NuLu and Butchertown guide.
Highlands, Cherokee Triangle and Crescent Hill (40204, 40205, 40206)
Brick fourplexes and small buildings converted to condos in the 1980s and 1990s, plus a few newer infill buildings on Bardstown Road and Frankfort Avenue. Fees are usually modest because there is little to maintain beyond the roof, the grounds and the shared systems. Street parking is the trade-off. See the Highlands guide and the Crescent Hill guide.
St. Matthews, Hurstbourne and Plainview (40207, 40222, 40223)
The biggest concentration of 1970s-to-1990s garden-style condos in the city, in complexes along Hurstbourne Parkway, Shelbyville Road, Breckenridge Lane and Westport Road. Two-bedroom, two-bath units in the $150,000s to $250,000s, pools and clubhouses included, and the fee usually covers water, trash, exterior and grounds. See the St. Matthews guide and the Hurstbourne guide.
Jeffersontown, Fern Creek and Springhurst (40299, 40291, 40241)
Newer (2000s to 2020s) condo and townhome-style condo communities, many of them single-level with attached garages, which is why they sell to downsizers as fast as they are listed. See the Jeffersontown guide and the Springhurst guide.
Prospect and Norton Commons (40059)
Norton Commons' condos sit over retail and along the town center, with the highest fees outside Downtown and a walkable layout that is rare in Louisville. See the Norton Commons guide.
What the HOA fee covers (and what it doesn't)
Ask for the fee breakdown in writing before you write an offer. In most Louisville complexes the monthly fee covers the master insurance policy on the building, exterior maintenance and the roof, grounds and snow removal, trash, and often water and sewer. It almost never covers your interior, your personal property or your liability, so you still need an HO-6 policy (usually $25 to $50 a month). Gas and electric are usually yours. Fees in the metro run from about $120 a month in small self-managed buildings to $600-plus in Downtown high-rises.
Two documents matter more than the fee itself. The reserve study (or the balance sheet if there is no study) tells you whether the association has saved for the roof, parking lot and elevators it will need to replace. The last two years of meeting minutes tell you what the board is arguing about. A low fee with a near-empty reserve fund means a special assessment is coming; a higher fee with healthy reserves is usually the better buy.
Financing a condo in Louisville
Condo loans are underwritten on the building as well as on you. Conventional lenders want the project to be at least 50 percent owner-occupied, no single owner holding more than a few units, no more than 15 percent of owners delinquent on dues, and reserves of at least 10 percent of the budget. FHA and VA loans require the building to be on their approved lists (or get a single-unit approval), and many older Louisville complexes are not on them. If you need a low down payment, have your lender check the building before you fall for the unit. Winner Realty's in-house lender, Cameron Keehn, can check a building's eligibility the same day. The how much house can I afford in Louisville guide shows what today's 7.18% rates mean for your budget, and the monthly mortgage payment calculator lets you add the HOA fee to the payment.
Condo vs. townhome vs. patio home
In Louisville listings these three overlap. A condo is a form of ownership: you own the interior and a share of the common elements, and the association owns the building. A townhome is a style (attached, usually two stories) that can be either condo ownership or fee-simple with a small HOA. A patio home is a detached or semi-detached single-level home on a small lot with an HOA that cuts the grass; most are fee-simple. The difference matters for financing (condo rules above) and for what you can change on the outside. See the patio homes guide if you want one level and your own walls.
Search condos for sale right now
See every condo for sale in the Louisville area on our live MLS search, updated every few minutes from the Louisville MLS. Want them before everyone else? Set up a condo listing alert and tell us your price range and must-haves; you get an email the morning a match hits the market, and a real person (not a bot) follows up only if you ask. Weekend plans? Every open house in Louisville this weekend is on one page.
Selling a condo?
Start with the instant home value estimate (no contact info required for the range), then run the seller net proceeds calculator. When you are ready to list, Winner Realty puts your home live on the MLS within three business days, guaranteed, syndicates it to Zillow, Realtor.com and 200-plus sites, and puts it in front of the 70,000-plus buyers on OffMarket.deals. If you would rather skip the showings, we will bring you a cash offer so you can compare both paths side by side.
Frequently asked questions
How much does a condo cost in Louisville, KY?
Today the median asking price for a condo in the Louisville area is about $215,000, with half of all listings between $155,000 and $314,950. Garden-style units in older complexes start around $52,999; new Downtown and Norton Commons units run well past $500,000, and the most expensive listing on the market is $3,995,000.
Are condos a good investment in Louisville?
They appreciate more slowly than single-family homes in most Louisville ZIP codes and they carry an HOA fee that can rise, but they rent well near UofL, Downtown, the medical center and the East End office parks. Check the association's rental rules before you buy one as a rental; many complexes cap the share of units that can be leased.
What is a typical HOA fee for a Louisville condo?
Roughly $120 to $350 a month in most suburban complexes, $350 to $600-plus in Downtown high-rises and Norton Commons. Fees usually cover the master insurance, exterior, roof, grounds, trash and often water; you still carry an HO-6 policy for your interior.
Can I get an FHA or VA loan on a Louisville condo?
Only if the building is FHA- or VA-approved, or your lender gets a single-unit approval. Many older Louisville complexes are not approved, so have the lender check before you make an offer.
Which Louisville ZIP codes have the most condos for sale?
Right now the most condo listings are in 40206 (Clifton), 40299 (Jeffersontown (J-town) and Fern Creek North), 40223 (Plainview), 40207 (St. Matthews), 40205 (Upper Highlands).
Rob Bergeron is Owner–Realtor at Award-Winning Winner Realty in Louisville, Kentucky (Lisa Tucker, Principal Broker, licensed in Kentucky and Indiana). Email me with any questions: Rob@thewinnerrealty.com. Browse every Louisville neighborhood guide, every Louisville ZIP code, or the Louisville luxury market report.