Best PlacesFern Creek, Louisville, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Fern Creek, Louisville, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
Fern Creek, Louisville ranks 3,767th of 5,983 U.S. neighborhoods on the BestNeighborhood index. It scores highest on a stable housing market by a wide margin, and the weather ranks lowest.
The best neighborhoods in Fern Creek, Louisville
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Fern Creek, Louisville's strengths and weaknesses
Where Fern Creek, Louisville ranks high
- Housing crash safetyBetter than 96% of neighborhoods
- Low vacancyBetter than 94% of neighborhoods
- QuietBetter than 79% of neighborhoods
- Tree shadeBetter than 75% of neighborhoods
- Voter turnoutBetter than 74% of neighborhoods
Where Fern Creek, Louisville ranks low
- Nice weatherabout 56 pleasant days a year, better than only 3% of neighborhoods
- BikingBetter than only 9% of neighborhoods
- Big-city accessBetter than only 16% of neighborhoods
- WalkabilityBetter than only 16% of neighborhoods
- School gradeD+, better than only 17% of neighborhoods
What it costs to buy a home in Fern Creek, Louisville
A household needs to earn about $65,000 a year to comfortably buy the median Fern Creek, Louisville home, at 20% down and today's 30-year rate. That is below the area's own median income of $72,518, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Fern Creek, Louisville's effective rate of 0.82%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 6 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Fern Creek, Louisville
Fern Creek, Louisville runs younger than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Fern Creek, Louisville.
Who works in Fern Creek, Louisville, and how
Work in Fern Creek, Louisville centers on manufacturing and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 83%
- Work from home 13%
- Transit, walk, or bike 4%
Life in Fern Creek, Louisville
The map and measures below break down dining, culture, and green space by neighborhood across Fern Creek, Louisville.
What the weather is like in Fern Creek, Louisville, month by month
Fern Creek, Louisville sees roughly 56 pleasant days a year. July highs average about 90 degrees. January highs sit near 46, with lows near 26. The comfortable stretch runs April, May, September, and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 46° | 36° | 26° |
| April | 71° | 58° | 45° |
| July | 90° | 79° | 69° |
| October | 74° | 60° | 48° |
Flying in and out of Fern Creek, Louisville
The nearest airport, Louisville Muhammad Ali International, is about 8 miles away and is a small airport. The nearest major hub is Cincinnati/Northern Kentucky International, about 80 miles away.
The best schools in and around Fern Creek, Louisville
Schools across Fern Creek, Louisville average a D+, better than 17% of neighborhoods.
Top elementary schools
- Wheeler ElementaryC+ · 37% proficient
- Bates ElementaryD+ · 24% proficient
- Luhr ElementaryD · 17% proficient
Top middle schools
- Ramsey MiddleD · 21% proficient
- Newburg MiddleD · 20% proficient
Top high schools
- Fern Creek HighD · 21% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Fern Creek, Louisville school and its grade on SchoolGrade.
Fern Creek, Louisville measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Fern Creek, Louisville against the other 5,982 neighborhoods.
Common questions about living in Fern Creek, Louisville
Is Fern Creek, Louisville a good place to live?
Using BestNeighborhood's default rankings, Fern Creek, Louisville ranks 3,767th of 5,983 neighborhoods. It scores highest on a stable housing market, few empty homes, and quiet, and lowest on the weather and biking. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Fern Creek, Louisville expensive to live in?
The median home is worth $246,029. The overall cost of living runs about 14% below the national average. Set against a $72,518 median income, cost of living beats 57% of neighborhoods.
Is Fern Creek, Louisville safe?
Fern Creek, Louisville is safer than 45% of neighborhoods. Safety varies a lot by neighborhood. Crime costs an estimated $446 per resident a year.
Compare Fern Creek, Louisville with other neighborhoods
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Fern Creek, Louisville. Scores are absolute rather than ranked, which means a 60 in Fern Creek, Louisville represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Fern Creek, Louisville detail on BestNeighborhood maps:
- Walk Grade for Fern Creek, Louisville: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Fern Creek, Louisville: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Fern Creek, Louisville: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Fern Creek, Louisville: carrier by carrier coverage behind the cell score.
Fern Creek, Louisville detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.