41016 — Kenton County, Kentucky Market Snapshot
Housing market data for zip code 41016 in Kenton County, Kentucky. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Kenton County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$280,722
Days to Sell
231
Homes Sold
1
Inventory
2
Conforming Loan Available
Most homebuyers in 41016 can comfortably use conventional financing. The median home price of $280,722 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
With homes sitting for 231 days on average, 41016 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 41016 can comfortably use conventional financing. The median home price of $280,722 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 41016 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 41016
To purchase the median home at $280,722 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,301.
Monthly Payment
$2,301
Income Required
$98,606
Principal & Interest
$1,730/mo
Down Payment (5%)
$14,036
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 41016.
Estimated Monthly Payment
$1,887
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