The story of this market
The typical home in ZIP 36865 sells for about $450,000, or $215 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,850 a month.
ZIP 36865 — Loachapoka
The housing market in ZIP 36865 remains stable with very low inventory and consistent demand for the limited available stock. Prices have seen modest year-over-year growth, reflecting the area's status as a highly desirable, low-density residential enclave within the Louisville metro area.
This ZIP is best suited for established families and professionals seeking a quiet, low-density residential environment with proximity to Louisville's urban amenities.
Median prices moved up 2.1% year over year.
Homes spend a median of 42 days on market with 6.0 months of supply — a balanced-paced market.
8% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.0% · poverty 18.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 36865, Jefferson County, KY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
The area is served by the Jefferson County Public Schools system, which provides a range of educational options typical for the Louisville metropolitan region.
The area is subject to standard regional risks for Kentucky, including potential for severe thunderstorms and localized flooding; insurance coverage is generally available through standard carriers.
Hills and Dales is a small, established residential enclave with limited new development capacity, relying on the broader Louisville economy for employment and infrastructure support.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Alabama) — Standard State Ad Valorem Homestead Exemption: Exempts up to $4,000 in assessed valuation from the 6.5 mill state ad valorem tax levy (providing a maximum direct state tax reduction of $26.00). Formula: Adjusted State Tax = Max(0, (Assessed Value - $4,000)) × 0.0065. State (Alabama) — Statewide Ad Valorem Property Tax and Class III Residential Assessment Ratio: Establishes a baseline 6.5 statewide millage rate ($0.0065 per dollar of assessed value) under Ala. Code § 40-8-1 and the Alabama Constitution.
Residents primarily commute by personal vehicle, with convenient access to major Louisville thoroughfares providing connectivity to the regional employment core.
The area offers proximity to local parks and green spaces within Jefferson County, with access to Louisville's broader shopping and dining amenities within a short drive.
The rental market is characterized by low inventory and high demand due to the small size of the city, with limited turnover in residential units.
The local economy is integrated into the broader Louisville-Jefferson County metropolitan area, which features a diverse mix of healthcare, logistics, and manufacturing employers.
Transportation is primarily highway-dependent, with access to regional corridors serving the Louisville metro area.
Development is largely constrained by the existing residential character of the city, with no major large-scale projects currently reported.
The Jefferson County Property Valuation Administrator (PVA) oversees the assessment of real property for tax purposes.
Parcels are subject to standard county and municipal tax districts; no special utility or hospital districts are uniquely attached.
Property insurance remains stable, though premiums are influenced by regional weather patterns and national market trends.
Data derived from US Census Bureau ZCTA-level tables and local municipal records.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- GoodTimes Bowling4.66.8 mi
- Surge Adventure Park4.210.2 mi
- Rock 'N Roll Pinball4.912.3 mi
- Jordan-Hare Stadium4.75.5 mi
- Botanic4.710.9 mi
- Neville Arena4.85.3 mi
- Pope's Haunted Farm4.519.5 mi
- Jay and Susie Gogue Performing Arts Center at Auburn University4.95.8 mi
- Chewacla State Park4.67.4 mi
- Kiesel Park4.82.8 mi
- Town Creek Park4.76.5 mi
- AMC Tiger 134.410.6 mi
- Toomer's Corner4.86 mi
- Chewacla State Park4.67.4 mi
- Kiesel Park4.82.8 mi
- Town Creek Park4.76.5 mi
- Floral Park4.611.7 mi
- Kreher Preserve & Nature Center4.86.8 mi
- Chuckwalla's Pizza at Chuck's Marina4.717.2 mi
- Harbor Pointe Marina LLC4.616.5 mi
- Momentum Marine At Lake Martin4.315 mi
- RTJ Golf Trail at Grand National4.610.4 mi
- Moore's Mill Club4.78.2 mi
- Pines Crossing Golf Course3.98.5 mi
- Auburn Mall4.18.1 mi
- Publix Super Market at Hamilton Place4.78.7 mi
- Publix Super Market at The Shoppes at Cary Creek4.66.5 mi
- Publix Super Market at the Shops on Gay Street4.76.1 mi
- Tiger Town Outdoor Shopping Center4.510.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Provides local green space and recreational trails for residents.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.