41018 — Kenton County, Kentucky Market Snapshot
Housing market data for zip code 41018 in Kenton County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$255,000
Days to Sell
6
Homes Sold
79
Inventory
15
Sale-to-List
100.3%
New Listings
99
Price/SqFt
$203
Pending Sales
100
Conforming Loan Available
Most homebuyers in 41018 can comfortably use conventional financing. The median home price of $255,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
41018 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 41018 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 41018 can comfortably use conventional financing. The median home price of $255,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 41018 are set at the county level.
2026 Loan Limits — Kenton County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 41018
To purchase the median home at $255,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,104.
Monthly Payment
$2,104
Income Required
$90,160
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,750
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 41018.
Estimated Monthly Payment
$1,728
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