41051 — Kenton County, Kentucky Market Snapshot
Housing market data for zip code 41051 in Kenton County, Kentucky. Updated monthly with median prices, days on market, and more.
Market Sales Data
124 sales in 2026 (year to date)
Median Sale Price
$345,000
Days to Sell
13
Homes Sold
124
Inventory
49
Sale-to-List
99.8%
New Listings
152
Price/SqFt
$202
Pending Sales
134
Conforming Loan Available
Most homebuyers in 41051 can comfortably use conventional financing. The median home price of $345,000 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
41051 is an extremely competitive market with homes selling in just 13 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 41051 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 41051 can comfortably use conventional financing. The median home price of $345,000 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 41051 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 41051
To purchase the median home at $345,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,712
Principal & Interest
$2,126/mo
Down Payment (5%)
$17,250
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 41051.
Estimated Monthly Payment
$2,285
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