• State Data Overview

    Across Kentucky, there is a shortage of rental homes affordable and available to extremely low income households (ELI), whose incomes are at or below the poverty guideline or 30% of their area median income (AMI). Many of these households are severely cost burdened, spending more than half of their income on housing. Severely cost burdened poor households are more likely than other renters to sacrifice other necessities like healthy food and healthcare to pay the rent, and to experience unstable housing situations like evictions.

    Renter households that are extremely low income
    Maximum income for 4-person extremely low income household (state level)
    Shortage of rental homes affordable and available for extremely low income renters
    Annual household income needed to afford a two-bedroom rental home at HUD's Fair Market Rent.
    Percent of extremely low income renter households with severe cost burden
  • State Level Partners

    NLIHC Housing Advocacy Organizer

    Kyle Arbuckle

    Kyle Arbuckle

    202.662.1530 x227 | [email protected]

    State Partners

    Homeless and Housing Coalition of Kentucky

    306 W. Main Street, Suite 207

    Frankfort, KY 40601

    P 502-223-1834

    F 502-373-2855

    Adrienne Bush, Executive Director

    [email protected]

    Become an NLIHC State Partner

    NLIHC’s affiliation with our state coalition partners is central to our advocacy efforts. Although our partners' involvement varies, they are all housing and homeless advocacy organizations engaged at the state and federal level. Many are traditional coalitions with a range of members; others are local organizations that serve more informally as NLIHC's point of contact.

    Inquire about becoming a state partner by contacting [email protected]

    Become a Member
  • Housing Trust Fund
    HTF Implementation Information

    NLIHC continues working with leaders in each state and the District of Columbia who will mobilize advocates in support of HTF allocation plans that benefit ELI renters to the greatest extent possible. Please contact the point person coordinating with NLIHC in your state (below) to find out about the public participation process and how you can be involved. Email Kyle Arbuckle with any questions.

    NHTF logo
    Current Year HTF Allocation
    NLIHC Point Person for HTF Advocacy

    Adrienne Bush

    Executive Director

    Homeless and Housing Coalition of Kentucky


    [email protected]

    State Designated Entity:

    Lisa Beran

    Deputy Director, Housing Production and Programs

    Kentucky Housing Corporation

    502-564-7630 ex. 722

    [email protected]

    Official Directly Involved with HTF Implementation:

    Jon Davidson

    Managing Director, Corporate Planning and Accountability

    502-564-7630, ext. 425

    [email protected]

    Lori Davis

    Compliance Analyst


    [email protected]

    State Entity Webpage

    Kentucky Housing Corporation

  • Resources

    Housing Profiles

    State Housing Profile

    State Housing Profile: Kentucky (PDF)

    Congressional District Housing Profile

    Congressional District Profile: Kentucky (PDF)

    Research and Data

    National Housing Preservation Database

    The National Housing Preservation Database is an address-level inventory of federally assisted rental housing in the United States.

    Out of Reach: The High Cost of Housing

    Out of Reach documents the gap between renters’ wages and the cost of rental housing. In Kentucky and Nationwide

    The Gap: A Shortage of Affordable Rental Homes

    The Gap represents data on the affordable housing supply and housing cost burdens at the national, state, and metropolitan levels. In Kentucky and Nationwide

  • Take Action
    Tell Congress to Protect and Expand the National Housing Trust Fund
    Urge Congress to Pass a Budget with Strong Support for Affordable Housing Programs
    Tell Congress that Opportunity Zones Must Benefit Low Income People and Long-Term Residents
  • COVID-19 Resources
    COVID-19 Resources

    NLIHC has estimated a need for no less than $100 billion in emergency rental assistance and broke down the need and cost for each state (download Excel spreadsheet). 

    Many cities and states are establishing rental assistance programs to support individuals and families impacted by COVID-19. This tracker links to news reports of various city, state and philanthropic rental assistance programs that are being established during the pandemic. Check NLIHC's cumulative list of rental assistance.

    Updated on July 24, 2020.

    LouisvilleThe City of Louisville has created an $500,000 emergency fund to deploy resources to residents impacted by COVID-19. The fund will provide funding for rental assistance, child care assistance, transportation aid, food access, utility assistance, pharmaceutical needs and other.

    Louisville's Office of Housing recently announced a COVID-19 eviction prevention fund, supported by $21 million in CARES Act funding. The fund, which will pay for up to three months of rent for households facing COVID-related delinquencies, may only be used to pay rent and will make payments directly to the property owner or landlord.
    OwensboroThe City is providing a $150,000 Low Income Rental Assistance program for individuals who reside in the City, offering to cover up to three months rent for those who earn less than 80% of the area median income for their household size.

    Across the country, homeless service providers are struggling to respond to the COVID-19 pandemic. In order to follow public health guidelines and help ensure people’s safety, some shelters are being forced to reduce services, restrict admittance, or close entirely. The loss of these critical resources puts people experiencing homelessness at even higher risk of illness. Check NLIHC's cumulative list of shelter closings.

    Below is a list of shelters that have had to majorly alter services or completely close:

    Local news media report that the Catholic Action Center in Lexington, as well as many of the 100 homeless shelters across the state, are closed to new clients. Some smaller, private shelters in rural areas have shut down completely.

    Advocates warn that Kentucky will face a surge of evictions if Governor Andy Beshear’s protections expire. The pre-pandemic affordable housing shortage is exacerbating the eviction crisis for low-income renters in Kentucky. “Before, they were one financial crisis or financial shock away from falling behind on their rent and being evicted from their homes,” said Sarah Saadian, NLIHC’s vice president of public policy. “For many people, this pandemic is going to be that precipitating event because they’re seeing the decline in their wages or they lose their job.”

    Housing advocates in Kentucky are urging Governor Andy Beshear to extend the eviction moratorium, pointing to data that suggests more than 1,500 renters in Lexington – and more than 220,000 renters statewide – are at risk of eviction.

    A court-ordered mediation on July 30 involving Governor Andy Beshear might determine when evictions resume in Kentucky. In March, Governor Beshear implemented an indefinite suspension of evictions for nonpayment of rent. On July 27, however, the Kentucky Supreme Court issued an order saying that courts will accept eviction filings once again on August 1. 

    Updated on August 4, 2020.

    Social service organizations are bracing for a homelessness crisis to hit rural Americans as eviction moratoriums and federal unemployment benefits end soon. As many as 240,000 Kentuckians could face eviction as federal coronavirus relief benefits are terminated.

    Updated on July 28, 2020.

    An op-ed in the Courier Journal discusses the critical need for targeted federal intervention, including emergency rental assistance, to address homelessness and stabilize the rental market. The authors urge Senate Majority Leader Mitch McConnell (R-KY) to prioritize an appropriation of $100 billion in rental assistance.

    Updated on July 7, 2020.

    The Homeless and Housing Coalition of Kentucky, an NLIHC state partner, estimates that more than 340,000 people in the state are at risk of eviction. The coalition sent a letter to Senate Majority Leader Mitch McConnell to urge him to support emergency rental assistance and extend the federal eviction moratorium.

    Most of the people experiencing homelessness who were temporarily housed at the Northern Kentucky Convention Center have moved back to other shelters or are now unsheltered. 

    Housing advocates, tenants, and experts are concerned about a surge of evictions after the Kentucky Supreme Court rescinded the state’s eviction moratorium, which was initially set to expire July 1, and announced that evictions for issues other than nonpayment could begin being filed on June 1.

    Updated on June 22, 2020.

    Louisville, Lexington, and the Commonwealth of Kentucky will receive more than $23 million in Emergency Solutions Grants - Coronavirus (ESG-CV). “We commend Congress’ allocation of COVID-19 resources from the CARES Act to support people experiencing homelessness with shelter, prevent families from losing their homes to eviction, front-end rental assistance,” said Adrienne Bush, executive director of the Homeless and Housing Coalition of Kentucky, an NLIHC state partner. 

    Updated on June 12, 2020

    survey of 100 Fayette County landlords and apartment owners found that nearly 70% have at least one or more tenants at risk for eviction due to nonpayment of rent. More than 60% of the respondents had at least one tenant who was unable to pay rent in April. A group of nonprofits, apartment, and landlord groups started a COVID-19 rental assistance program to prevent a wave of evictions. 

    The Homeless and Housing Coalition of Kentucky (HHCK), an NLIHC state partner, has been working to help people experiencing homelessness or at risk of becoming homeless during the pandemic. With the help of a grant from NLIHC, HHCK has been able to start an Eviction Prevention Fund and is currently accepting donations.

    A person experiencing homelessness in Louisville was arrested after police said he failed to self-quarantine after testing positive for COVID-19 on April 19.

    The Northern Kentucky Convention Center has opened its doors to serve as a social isolation homeless shelter.


    The Louisville Metro Government proposed allocating $21.2 million in federal CARES Act funding to provide rental assistance to an estimated 6,075 households for three months. Under the proposed plan, the rental assistance would be provided through a tenant-based application and a new process in which landlords of federally subsidized units could apply directly on behalf of their tenants.

    Updated on June 22, 2020.

    No information at this time.


    Federal, state, and local eviction moratoriums are rapidly expiring and the CARES Act supplemental unemployment benefits will end soon; at that time, millions of low-income renters will be at risk of losing their homes. The NLIHC estimates at least $100 billion in emergency rental assistance is needed to keep low-income renters stably housed during and after the pandemic. This tracker links to news reports of the growing evictions crisis in various cities and states. Check NLIHC's cumulative list of eviction updates.

    The Governor's executive order suspends all evictions for nonpayment through the end of the state of emergency, and instructs law enforcement not to enforce evictions. Evictions for issues other than nonpayment have been gradually allowed in recent months--landlords were able to file evictions for reasons other than nonpayment on June 1. The state Supreme Court had previously supported these orders, but on July 28 they announced they would begin hearing all eviction cases, including for nonpayment of rent, on Aug. 1. This, in addition to a lawsuit against the governor's executive order, has caused confusion and uncertainty in Kentucky. The Governor believes his order still prevents enforcement at this time. 

    Updated: August 1

    On July 28, the Kentucky Supreme Court ruled to resume eviction procedures on August 1. Local advocates have observed rent delinquencies at up to three times the normal levels and anticipate there are thousands of evictions waiting to be processed. 

    In the third week of July, 29.5% of adults in Kentucky reported they had missed their previous housing payment or had little confidence they would make their next one on time, according to a weekly survey conducted by the Census. In the same survey, 168,555 renters reported they had not paid their previous rental payment

    BardstownRural communities like Bardstown are concerned there will be a dramatic spike in homelessness once evictions resume August 1.  July 27

    Updated: July 29 

    340,000 people in Kentucky are at risk of evictions. According to a weekly survey by the Census, 1 in 5 adults in the state either missed their last housing payment or have little/no confidence of being able to make next month’s housing payment.

    Updated: July 16

    COVID-19 Resources Other

    National Media

    What to Know About Housing and Rent During the COVID-19 Emergency?

    Arbor Realty Trust launched an innovative $2 million rental assistance program to help thousands of tenants and families significantly impacted by the COVID-19 outbreak. Arbor is contributing $1 million to the program and participating borrowers will match Arbor's advances to its tenants in need to help fill the rent gap during the hard-hit months of May and June. Together, the partnership program will provide $2 million in relief.