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Fort Thomas city, KY

ZIP 41075 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 41075

Median Home Value
$298,700
Median Rent
$920
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,919/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 41075 in Fort Thomas city, KY, a household would need roughly $82,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,919. That sits below the local median household income ($99,075), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.1%+7% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
94.4%+9% vs US avg
x
4+ Bedrooms
7.0%-52% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
23.6%-53% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$298,700
Home Value
$920
Rent
1955
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.4%
  • 1-unit attached3.2%
  • 2-9 units16.7%
  • 10+ units11.7%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,700
Median rent$920
Owner-occupied70.1%
Vacant2.3%
Price-to-income3.0x
Est. income to buy$82,000