Every calculator we have built for Louisville, plus the best free tools on the internet for buyers, sellers, investors, landlords, wholesalers and Kentucky tax questions, on one page. No sign-up, no email gate, no portal lead-gen sites. If a tool is here, it is because our agents actually use it.

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Winner Realty calculators, built for Louisville

These run right on this site with Kentucky numbers baked in. Each one shows your result first and explains the math underneath.

• Instant Home Value Estimator — ZIP code, square footage and condition give you a value range built from real closed Louisville sales. No contact info required.
• Seller Net Proceeds Calculator — what you walk away with after payoff, commission, the Kentucky deed tax and closing costs.
• Monthly Mortgage Payment Calculator — principal, interest, taxes, insurance and PMI (private mortgage insurance) for a Kentucky purchase.
• VA Loan Calculator — the VA funding fee by tier and first-time use, compared against a 20%-down conventional loan.
• DSCR Loan Calculator — DSCR stands for debt service coverage ratio: does the rent cover the loan payment? This is the number a rental-property lender checks first.
• Investment Property Analyzer — cash flow, cap rate, cash-on-cash return and NOI (net operating income) for any Louisville rental.
• Investment Property Comparison Tool — up to three properties side by side on cap rate, cash-on-cash and IRR (internal rate of return).
• Relocation Cost Calculator — movers, vehicle shipping and Kentucky buyer closing costs in one moving budget.
• Louisville Suburb Match Quiz — five questions about commute, budget, yard and lifestyle, scored against twelve Louisville-area communities.

Coming next, in this order: a Kentucky seller closing cost and transfer tax calculator, a Kentucky buyer closing cost calculator, a Jefferson County property tax calculator by taxing district, a Louisville down payment assistance screener, a Louisville short-term rental rules checker, a wholesale offer (MAO) calculator, a capital gains and 1031 exchange estimator, and a full Louisville Neighborhood Matcher. Bookmark this page.

Tools for buyers

• CFPB Explore Interest Rates — the government's unbiased rate comparison by state and credit score. The CFPB is the Consumer Financial Protection Bureau.
• CFPB Loan Estimate Explainer — how to read the three-page loan estimate every lender must give you.
• Calculator.net House Affordability, Rent vs. Buy, FHA Loan and VA Loan calculators — clean math, no lender lead forms.
• VA Home Loans, the VA funding fee table and how to request your Certificate of Eligibility (COE) — straight from the VA.
• FHA Loan Limits Lookup — the current FHA (Federal Housing Administration) limit for Jefferson County.
• USDA Eligibility Map — zero-down USDA loans work in Shelby, Oldham, Spencer, Bullitt and other counties around Louisville, but not inside Jefferson County.
• Kentucky Housing Corporation Down Payment Assistance — up to $12,500 as a 15-year second mortgage, statewide.
• Louisville Metro Down Payment Assistance — up to $30,000, partially forgivable, for income-qualified buyers; applications reopened August 17, 2026.
• FHLB Cincinnati Welcome Home Grant — up to $20,000. The 2026 round is fully reserved; the next round typically opens in spring.
• REVERT — up to $50,000 in rehab funds for homes in formerly redlined Louisville neighborhoods.
• HUD-approved Housing Counselor Finder — the counseling Louisville Metro's program requires; local options include the Louisville Urban League and The Housing Partnership.
• Fannie Mae HomeView — free first-time buyer education course.
• InterNACHI Home Inspection Standards and the Kentucky Home Inspector License Lookup — know what an inspection covers and verify your inspector.
• Walk Score Louisville and TARC — walk, bike and transit scores by address, and Louisville's bus system.
• MSD Floodplain Determination — type an address, get an instant flood-zone PDF. More accurate inside Jefferson County than the FEMA Flood Map Service Center.
• JCPS School Finder — look up the assigned and choice schools for any Jefferson County address.
• LG&E Start Service and Louisville Water — utilities.
• Live in Lou and the Bankrate Cost of Living Calculator — for anyone relocating to Louisville.

Ready to buy? Get pre-approved or tell us your buy box and we will send matching listings.

Tools for sellers

• Instant Home Value Estimator and Seller Net Proceeds Calculator — start here, then ask for a real comparative market analysis (CMA) from a licensed agent.
• Jefferson County PVA Property Search — the assessed value every seller looks up first. PVA is the Property Valuation Administrator; the assessed value is for taxes and is not the same as market value.
• FHFA House Price Index Calculator — a government estimate of how much your home has appreciated since you bought it.
• IRS Topic 701 and Publication 523 — the $250,000 (single) or $500,000 (married) capital gains exclusion when you sell your primary home.
• SmartAsset Capital Gains Calculator — federal plus Kentucky's flat income tax on any gain above the exclusion.
• Greater Louisville Association of Realtors Market Statistics — monthly numbers for the Louisville market. Our Louisville housing market report explains them in plain language.
• HouseLogic Selling Guides and the National Association of Realtors seller hub — prep checklists.
• Remodeling Cost vs. Value 2025 — which repairs pay back before you list and which do not.
• Why a Pre-listing Inspection — find the problems before the buyer's inspector does.
• Kentucky Real Estate Commission Forms — the Seller's Disclosure of Property Condition (Form 402) required on every Kentucky listing.
• USPS Change of Address and Louisville Metro Large-Item Pickup — moving-day logistics.

Selling something difficult? Read our guides on selling fast, distressed properties and short sales.

Tools for investors and landlords

• Investment Property Analyzer, Comparison Tool and DSCR Loan Calculator — ours, with Louisville defaults.
• DealCheck — the best free rental, flip and BRRRR analyzer, with a free tier that saves 15 properties. BRRRR means buy, rehab, rent, refinance, repeat.
• BiggerPockets Calculators — rental, BRRRR, flip and wholesale math with good explainers; five free reports before the paywall.
• RentCast — the best free rent estimate for a Louisville address, with five comparable rentals per lookup.
• Rentometer — a quick second opinion on rent.
• AirDNA Rentalizer and BNBCalc — short-term rental revenue projections. Louisville numbers are Derby-week skewed, so treat property-level estimates as rough.
• Stessa and Baselane — free portfolio bookkeeping, rent collection and Schedule E exports.
• TurboTenant and Innago — free landlord software for listings, applications, screening and rent collection.
• Kentucky Lease Templates and the Kentucky landlord-tenant statutes (URLTA) — Jefferson County follows the Uniform Residential Landlord and Tenant Act, which sets the notice periods.
• Kentucky Eviction Process in Plain English and the forcible detainer complaint form (AOC-215).
• Louisville Rental Registry — every long-term rental in Louisville Metro must register. Fees run $25 to $250 by zoning; the fine for skipping it is $100 per day per unit.
• Louisville Short-Term Rental Rules — registration, conditional use permits and the 600-foot spacing rule for Airbnb-style rentals.
• Louisville Metro Occupational License Tax Forms — rental LLCs must file the net-profit return every year, even with a loss.
• IPX1031 Exchange Calculators — 45-day and 180-day deadlines and a capital gain estimate for a 1031 exchange.
• KBKG Cost Segregation Calculator — a rough look at accelerated depreciation savings.

Investor guides on this site: why Louisville, house hacking, multifamily, short-term rentals, 1031 exchanges and cost segregation.

Tools for wholesalers

First, the law. Kentucky House Bill 62 (2023) made advertising a purchase contract you hold, without a real estate license, an act of brokerage. Assigning a contract is still legal. What you cannot do without a license is market the deal publicly: no email blasts, no social posts, no listing it on a website. The compliant paths are to get licensed, to market the deal through a licensed brokerage, to double close and sell what you actually own, or to share it privately. Read the act itself and our plain-language wholesaling guide.

• DealCheck — includes a maximum allowable offer (MAO) calculator and branded PDF reports.
• BiggerPockets Wholesaling and 70% Rule Calculators.
• Propwire — genuinely free nationwide property search and list building; skip tracing for about ten cents a record.
• PropStream, DealMachine and BatchLeads — the paid list-building and driving-for-dollars standards.
• BatchSkipTracing and REISkip — bulk skip tracing with no subscription.
• TruePeopleSearch — free, one-at-a-time owner lookups for small lists.
• National Do Not Call Registry — scrub every list before you call or text. This is not optional.
• Homewyse — line-item repair costs by ZIP code. Runs high for investors, but it is a starting point.
• Kentucky Real Estate Commission — the license lookup to verify any agent you work with, plus the agency disclosure forms a licensed brokerage uses to market your deal.
• Kentucky Purchase Agreement Template — generic. Have a Kentucky real estate attorney review anything you plan to sign.

Have a deal under contract and need a licensed brokerage to market it to buyers? Send it to us.

Tax tools

Estimates only. Talk to a CPA before you act on any of these.

• IRS Topic 409 (capital gains), Publication 523 (selling your home), Publication 527 (rental property) and Publication 544 (depreciation recapture).
• Kentucky Department of Revenue — Kentucky taxes capital gains as ordinary income at a flat rate: 4.0% for 2025 and 3.5% for 2026.
• Depreciation Recapture Calculator — what you owe back on the depreciation you took when you sell a rental.
• 1031 Exchange Calculators and IRS Form 8824.
• KBKG and BDO cost segregation calculators.
• Jefferson County Homestead Exemption — $49,100 off your assessed value for 2025 and 2026 if you are 65 or older or totally disabled and live in the home. Apply with the PVA by December 31.
• Jefferson County PVA Assessment Appeals — the online conference window opens each spring.
• Jefferson County Sheriff Tax Rates and Tax Bill Search — every taxing district's rate, and your bill.
• Kentucky Transfer Tax (KRS 142.050) — $0.50 per $500 of sale price, paid by the seller. A $300,000 sale is $300.
• Louisville Metro Revenue Commission — occupational license tax registration and filing for rental businesses.
• Kentucky Secretary of State FastTrack — form a Kentucky LLC online; articles are $40 and the annual report is $15.
• IRS EIN Online — free employer identification number for your new LLC.

Louisville public records and lookups

The free government sources our agents use every day.

• Jefferson County PVA — owner, assessment and sales history for any parcel. A $10 day pass adds full records and sales comps.
• Jefferson County Clerk Land Records — deeds, mortgages and liens back to 1984, free to view. ClerkAlert sends a free alert if a document is recorded in your name.
• LOJIC Online — the county map system: parcels, zoning, floodplain, aerials and council districts.
• Louisville Open Data — permits, code cases, vacant properties, land bank inventory, transit and more.
• Look Up Property Violations and the Online Permit Search.
• Rental Registry Search — see whether a rental is registered.
• MyLouisville — council district, trash day and services for any address.
• Land Development Code and Planning Case Search — zoning rules and what is being proposed near you.
• Kentucky Secretary of State Business Search — find out who is behind an LLC.
• Louisville Landbank Authority — vacant lots and houses for sale from Metro government.
• Louisville Metro Housing and Louisville Metro Housing Authority.
• Kentucky Real Estate Commission License Lookup — verify any agent or broker.

How we choose what goes on this page

Free and government sources come first. We do not link the big listing portals, because their tools exist to sell your contact information to agents; ours do not. We link a paid tool only when it is the standard our own agents and investor clients use. Every Kentucky number on this page was checked against its official source on September 27, 2026; Jefferson County tax rates are reset each October and the homestead exemption every two years, so we re-verify on that schedule. If a link breaks or a number changes, tell us and we will fix it.

Frequently asked questions

Are these tools really free?

Every Winner Realty calculator on this page is free and asks for nothing. The outside tools are free or have a real free tier; where a paid tool is listed, we say so.

How accurate are the calculators?

They are estimates built on Kentucky rules and typical Louisville numbers, not quotes. Your lender, title company or CPA gives you the real figures. Our instant home value uses closed sales from the local MLS (multiple listing service) and shows a range on purpose.

Why aren't Zillow, Redfin or Realtor.com on this list?

Their calculators are fine; their business model is selling your contact information to agents as a lead. We would rather give you the government and independent versions and let you decide who to talk to.

Can I use these tools if I am working with another agent?

Yes. Nothing here requires you to work with us. Other Louisville agents send their clients here, and we are glad they do.

Which tool should I start with?

Buying: the mortgage payment calculator, then get pre-approved. Selling: the instant home value, then the net proceeds calculator. Investing: the investment property analyzer. Moving here: the relocation cost calculator and the suburb match quiz.

These tools and links are for general information and are not tax, legal or lending advice. Winner Realty is a licensed Kentucky real estate brokerage. Equal Housing Opportunity.