The 1981 Western Kentucky Hilltoppers football team represented Western Kentucky University as a member of the Ohio Valley Conference during the 1981 NCAA Division I-AA football season. Led by 14th-year head coach Jimmy Feix, the Hilltoppers compiled an overall record of 6–5 with a mark of 4–4 on conference play, tying for fourth in the OVC. The team's captains were Greg Gallas, Troy Snardon, Lamont Meacham.