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Equal Housing Opportunities
Kentucky Unbridled Spirit-External Site  

Fair Housing in Kentucky

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The Fair Housing Act was introduced as a component of the Civil Rights Act of 1968. The act provides equal opportunity to all who buy, sell, rent, finance or insure housing. In a nutshell, the act protects each individual’s basic right to choose where to live and ensures equal treatment after obtaining housing.

Who is protected?

The Fair Housing Act prohibits discrimination in housing based on race, color, national origin, or religion.  The Kentucky General Assembly later broadened the law to prohibit discrimination in housing based on disability, gender, and familial status.  Discrimination based on sexual orientation is also forbidden in Covington, Lexington, and Louisville.

On February 3, 2012, the U.S. Department of Housing and Urban Development (HUD) issued a final rule that prohibits discrimination on the basis of actual or perceived sexual orientation, gender identity, or marital status in regards to housing programs assisted by HUD or subject to a mortgage insured by the Federal Housing Administration.



Violates Fair Housing Law Because… 

A landlord puts families with children in a separate building so as not to disturb other tenants.

If the owner in this scenario rents to persons of all age groups (i.e. does not specialize in seniors, etc.), then this would be discrimination based on familial status.

A home owner is selling his home in a predominantly white neighborhood and displays a preference for white buyers.

This is discrimination based on race.

A landlord charges Hispanic tenants a higher deposit because he or she believes they cause more damage than non-Hispanics.

This is discrimination based on
national origin.

 A landlord refuses to rent to a tenant with a history of mental illness.

This is discrimination based on disability.  (However, housing does not have to be made if the person poses a direct threat to other tenants.)

A black family in the market for a new home hires a real estate agent.  The agent decides to show them only houses in all-black neighborhoods, even though there are many houses in the same price range in other areas.

This is unlawful under state and federal Fair Housing Laws based on what is called “steering.”  It is illegal for a real estate agent to restrict a client’s housing search to a neighborhood with a certain racial composition.

A property owner advertises an open rental property with the phrase “Christians preferred.” 

This is unlawful under the state and federal Fair Housing Laws based on religion.

These are just a few of the ways that housing discrimination can occur.  To learn more, download Kentucky Housing’s Fair Housing brochure, and the Commonwealth of Kentucky Analysis of Impediments to Fair Housing.

Fair Housing Surveys—Your Response Affects Future Funding for Kentucky  

Kentucky Housing Corporation is committed to promoting fair housing throughout the state.  The Fair Housing Survey is part of a statewide analysis of housing discrimination in Kentucky.  The data collected for this survey will help us better understand and address fair housing issues in Kentucky.

Information can also be found on the Department of Justice Web site at

If you feel that you have been a victim of housing discrimination, please contact the Kentucky Commission on Human Rights: 

Kentucky Commission on Human Rights
332 W. Broadway
Heyburn Building, Suite 700
Louisville, KY  40202

(800) 292-5566 (502) 595-4084 (TDD Line) or 

For more information contact:

Charla Jackson Peter
(502) 564-7630 ext. 454
(800) 633-8896 (KY only)

1231 Louisville Road, Frankfort, Kentucky 40601
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