Housing data for Elk Creek, KY
Elk Creek, KY has an estimated 2,207 residents and 759 homes (US Census Bureau, 2020–2024 American Community Survey).
It is an unincorporated community in Spencer County.
1.1% of households rent.
Figures last updated on .
- Residents
- 2,207 (±470)
- Housing units
- 759 (±139)
- Households that rent
- 1.1%
- Residents since 2015–2019
- +33.4%
What stands out in Elk Creek
Households that rent: 1.1% (±2.1 points) in Elk Creek, lower than in Spencer County (12.1%).
Homes built before 1980: 1.2% (±9.8 points) in Elk Creek, lower than in Spencer County (17.4%).
Median real estate taxes: $3,186 (±$360) in Elk Creek, higher than in Spencer County ($2,188).
Median household income: $144,100 (±$14,785) in Elk Creek, higher than in Spencer County ($102,618).
Housing in Elk Creek at a glance
- Rent burden: 0.0% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 1.1% of households rent (Small sample: wide margin of error)
- Income and affordability: $144,100 median household income
- Home values: $405,000 median home value
- Homeowner costs: $2,030 median monthly cost with a mortgage
- Property taxes: $3,186 median real estate taxes a year
- Types of homes: 0.0% of homes are in buildings of 5 or more units
- Bedrooms: 98.4% of homes have 3 or more bedrooms (Small sample: wide margin of error)
- Age of homes: 1.2% of homes were built before 1980 (Small sample: wide margin of error)
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 69.7% heat with electricity
- Commute and cars: 33.0 minutes average trip to work
- Growth: +33.4% residents since 2015–2019
- How long people stay: 28.8% moved in since 2020
- Crowding and facilities: 0.0% of homes have more than 1 person per room (Small sample: wide margin of error)
Elk Creek against Spencer County, its state and the nation
| Elk Creek | Spencer County | Kentucky | United States | |
|---|---|---|---|---|
| Residents | 2,207 (±470) | 20,193 (exact) | 4,534,824 (exact) | 334,922,499 |
| Housing units | 759 (±139) | 7,712 (±25) | 2,023,116 (±474) | 143,775,355 |
| Households that rent | 1.1% (±2.1 points) | 12.1% (±2.8 points) | 31.7% (±0.3 points) | 34.8% |
| Median gross rent | — | $987 (±$56) | $967 (±$5) | $1,413 |
| Median household income | $144,100 (±$14,785) | $102,618 (±$12,041) | $63,726 (±$429) | $80,734 |
| Median home value | $405,000 (±$52,571) | $330,000 (±$11,906) | $205,600 (±$1,096) | $332,700 |
| Median real estate taxes (a year) | $3,186 (±$360) | $2,188 (±$161) | $1,544 (±$10) | $3,119 |
| Built before 1980 | 1.2% (±9.8 points) | 17.4% (±3.6 points) | 47.1% (±0.4 points) | 49.7% |
| Average commute | 33.0 minutes (±5.0) | 32.7 minutes (±1.6) | 24.0 minutes (±0.2) | 26.4 minutes |
| Households with broadband | 98.8% (±2.1 points) | 92.3% (±3.1 points) | 88.6% (±0.2 points) | 91.0% |
| Median age of residents | 39.3 years (±6.5) | 42.9 years (±0.5) | 39.1 years (±0.1) | 38.9 years |
Elk Creek covers 5.8 square miles of land, about 381 residents per square mile (Census Bureau Gazetteer).
How Elk Creek has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,654 (±299) | 2,207 (±470) | +33.4% | Not a measurable change |
| Housing units | 622 (±99) | 759 (±139) | +22.0% | Not a measurable change |
| Median home value | $251,100 (±$39,196) | $405,000 (±$52,571) | +61.3% | Up after inflation |
| Median household income | $105,000 (±$25,485) | $144,100 (±$14,785) | +37.2% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,582 (±$189) | $2,030 (±$203) | +28.3% | No measurable change after inflation |
| Median real estate taxes | $2,037 (±$318) | $3,186 (±$360) | +56.4% | Up after inflation |
| Households that rent | 3.7% (±5.3 points) | 1.1% (±2.1 points) | −2.6 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±59.4 points) | 0.0% (±100.0 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Spencer County
Elk Creek has no police department of its own in the FBI’s figures, so this is the figure for Spencer County as a whole.
In 2025, the police departments that report for Spencer County recorded 38 violent and 279 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Elk Creek
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 40023 | 13% | 6,870 | $1,181 | $497,800 | $144,635 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Elk Creek
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Taylorsville | 5.9 mi | $939 | $164,200 | 73.6% |
| Simpsonville | 7.0 mi | $945 | $270,800 | 17.1% |
| Shelbyville | 10 mi | $1,033 | $257,100 | 43.9% |
| Mount Washington | 11 mi | $1,008 | $268,200 | 13.9% |
| Middletown | 12 mi | $1,502 | $336,000 | 42.9% |
| Woodland Hills | 12 mi | $1,705 | $259,800 | 15.7% |
| Jeffersontown | 12 mi | $1,320 | $250,700 | 29.9% |
| Fairfield | 13 mi | — | — | 2.6% |
HUD Fair Market Rent for Elk Creek, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $976 | $1,058 | $1,276 | $1,629 | $1,874 |
HUD income limits for Elk Creek, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $20,800 | $34,650 | $55,450 |
| 2 people | $23,800 | $39,600 | $63,400 |
| 3 people | $27,320 | $44,550 | $71,300 |
| 4 people | $33,000 | $49,500 | $79,200 |
| 5 people | $38,680 | $53,500 | $85,550 |
| 6 people | $44,360 | $57,450 | $91,900 |
| 7 people | $50,040 | $61,400 | $98,250 |
| 8 people | $55,720 | $65,350 | $104,550 |
These are the limits HUD sets for its housing programs in the Louisville, KY-IN HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $99,000.
A program can use its own limits; tax-credit and local programs often do.
Elk Creek is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Elk Creek
What is the median household income in Elk Creek?
The median household income in Elk Creek is $144,100 (±$14,785) a year (2020–2024 American Community Survey).
What is the average home value in Elk Creek, KY?
The Census Bureau publishes the median: $405,000 (±$52,571) for owner-occupied homes in Elk Creek (2020–2024 American Community Survey).
What is the average mortgage payment in Elk Creek?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Elk Creek, KY is $2,030 (±$203) a month, including taxes, insurance and utilities.
How much are property taxes in Elk Creek?
The median real estate tax paid by homeowners in Elk Creek, KY is $3,186 (±$360) a year (2020–2024 American Community Survey).
How many homes are in Elk Creek?
Elk Creek, KY has an estimated 759 (±139) housing units, occupied and vacant (2020–2024 American Community Survey).
What is the most common way to heat a home in Elk Creek?
Electricity is the most common heating fuel in Elk Creek, used by 69.7% of occupied homes (2020–2024 American Community Survey).
Is Elk Creek growing?
In Elk Creek, the number of residents went from 1,654 in 2015–2019 to 2,207 in 2020–2024 (+33.4%), not a measurable change.
What ZIP codes are in Elk Creek?
The ZIP code that covers Elk Creek is 40023.
What is the median rent in ZIP code 40023?
The median gross rent in ZIP Code Tabulation Area 40023 is $1,181 (±$659) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Elk Creek CDP, Kentucky
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Elk Creek CDP, Kentucky
- HUD Fair Market Rents, fiscal year 2027: Louisville, KY-IN HUD Metro FMR Area
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Louisville, KY-IN HUD Metro FMR Area
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Elk Creek CDP, Kentucky (place:24328, in state:21).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .