41014 — Kenton County, Kentucky Market Snapshot
Housing market data for zip code 41014 in Kenton County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$200,250
Days to Sell
8
Homes Sold
24
Inventory
16
Sale-to-List
95.1%
New Listings
43
Price/SqFt
$151
Pending Sales
32
Conforming Loan Available
Most homebuyers in 41014 can comfortably use conventional financing. The median home price of $200,250 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
41014 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 41014 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 41014 can comfortably use conventional financing. The median home price of $200,250 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 41014 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 41014
To purchase the median home at $200,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,684.
Monthly Payment
$1,684
Income Required
$72,182
Principal & Interest
$1,234/mo
Down Payment (5%)
$10,013
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 41014.
Estimated Monthly Payment
$1,389
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