Fort Thomas, KY 41075 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Fort Thomas, KY—41075

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$379,000

6.0% YoY Growth

Household Income

$99,100

33.6% YoY Growth

Days on Market

41.0% Shorter YoY

Home Price Forecast

0.6%

Median Rent

$1,500

64.1% YoY Growth

1-Bed Rent

$895

2.9% YoY Growth

2-Bed Rent

$1,500

42.2% YoY Growth

3-Bed Rent

$2,000

N/A

Home Price Trends — Fort Thomas, KY

As of May '26, the median home price in Fort Thomas, KY is $379,000, with a year-over-year change of 6.0%. This indicates that home prices in Fort Thomas, KY are increasing. According to Zillow, the 1-year price projection is 0.6%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$379,000	6.0%
Single Family	$388,000	6.3%
Condos	$199,000	3.1%

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Fort Thomas, KY

As of July '25, Rentcast reports the average rent in Fort Thomas, KY is $1,590, with a year-over-year rent change of 64.1%. Per bedroom, the median rent as of July '25 in Fort Thomas, KY is 1-bedrooms: $950, 2-bedrooms: $1,450, 3-bedrooms: $2,000, 4-bedrooms: $2,220. The most common rental property sizes in Fort Thomas, KY are 2-bedroom and 1-bedroom, accounting for 55.2% and 36.6% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$1,500	$1,590
Studio Rent	N/A	N/A
1 Bed Rent	$895	$950
2 Bed Rent	$1,500	$1,450
3 Bed Rent	$2,000	$2,000
4 Bed Rent	$2,100	$2,220

Loading chart...

% of Rental Stock

Studio

1.1%

1 Bedroom

36.6%

2 Bedrooms

55.2%

3 Bedrooms

4.6%

4 Bedrooms

2.1%

5+ Bedrooms

0.3%

Property Listings — Fort Thomas, KY

As of May '26, Realtor.com reports that the median days on market for a home in Fort Thomas, KY is 22. This is a decrease of -41.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$400,000	-37.0%
Listing Count	56	15.0%
Listings as % of Homes	0.5%	15.0%
Days on Market	22	-41.0%

Loading chart...

Demographics — Fort Thomas, KY

As of the latest ACS Survey released in 2023, Fort Thomas, KY has a population of 17,400, which has increased by 5.5% over the past 5 years. Fort Thomas, KY is a popular place for families, as children make up 27.5% of the population. The area has a highly educated workforce, with 55.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.6% reporting working from home.

Metric	Latest Census	YoY % Change
Population	17,400	5.5%
% Under 18	27.5%	11.8%
% Seniors	16.0%	-0.6%
% WFH	14.6%	175.5%
% w/ College Degree	55.1%	10.2%

Loading chart...

As of the latest ACS Survey released in 2023, Fort Thomas, KY is a predominantly white area, with 90.0% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Fort Thomas, KY is hispanic, making up 2.6% of the population. Foreign-born residents account for 2.7% of the population in Fort Thomas, KY, and this percentage has increased by 22.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	90.0%	-2.9%
% Black	2.1%	16.7%
% Hispanic	2.6%	18.2%
% Asian	0.8%	-55.6%
% Foreign Born	2.7%	22.7%

Loading chart...

Mortgage and Risk — Fort Thomas, KY

According to HUD data as of 2023, there were 425 mortgage originations in Fort Thomas, KY, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Fort Thomas, KY. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	425
% Conventional Loans	92.0%
% Government Loans	8.0%
% Investor Loans	1.0%
% Second Loans	1.0%
% Cash Out Refinance	10.0%

Loading chart...

Rentals and Section 8 — Fort Thomas, KY

As of 2024, the percent of homes in Fort Thomas, KY under the Section 8 program is 2.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Fort Thomas, KY, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.

Section 8 Market Size

Total Units under HUD	60
Total Units Section 8	60
% Rentals under Section 8	2.8%
% Occupied Section 8	81.4%

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	$105	$895	$1,000
2 Bedroom	-$210	$1,500	$1,290
3 Bedroom	-$290	$2,000	$1,710
4 Bedroom	-$210	$2,100	$1,890

Fort Thomas, KY—41075

Key Metrics at a Glance

Home Price Trends — Fort Thomas, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Fort Thomas, KY

% of Rental Stock

Property Listings — Fort Thomas, KY

Demographics — Fort Thomas, KY

Race and Ethnicity

Mortgage and Risk — Fort Thomas, KY

Mortgages

Rentals and Section 8 — Fort Thomas, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Fort Thomas, KY

Home Price to Income Ratio

Fort Thomas, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Newport, KY

Dayton, KY

Bellevue, KY

Columbia-Tusculum, Cincinnati, OH

Covington, KY

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3.4
Median Home Price	$379,000
Median Household Income	$99,100

Fort Thomas, KY—41075

Key Metrics at a Glance

Home Price Trends — Fort Thomas, KY

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Fort Thomas, KY

% of Rental Stock

Property Listings — Fort Thomas, KY

Demographics — Fort Thomas, KY

Race and Ethnicity

Mortgage and Risk — Fort Thomas, KY

Mortgages

Rentals and Section 8 — Fort Thomas, KY

Section 8 Market Size

Section 8 Opportunity

Affordability — Fort Thomas, KY

Home Price to Income Ratio

Fort Thomas, KY — ZIP Code Boundary Map

Nearby ZIP Codes

Newport, KY

Dayton, KY

Bellevue, KY

Columbia-Tusculum, Cincinnati, OH

Covington, KY

Frequently Asked Questions

What is the average home price in Fort Thomas, KY 41075?

How have home prices in Fort Thomas, KY 41075 changed over the past year?

What is the home price projection for Fort Thomas, KY 41075?

What are the demographics of Fort Thomas, KY 41075?

How long does it take homes to sell in Fort Thomas, KY 41075?

What is the average rent price in Fort Thomas, KY 41075?