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City · 5,636 residents · Campbell County, Kentucky

Bellevue , Kentucky

In Bellevue, a typical home is worth $206,500 and typical rent is $1,265 a month. Compared with all of Campbell County, the typical home value is 18% lower and typical rent is 10% higher.

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  • Typical home value

    $206,500

    18% below the county

    About the same as Kentucky

    • Bellevue
    • Campbell
    • Kentucky

  • Typical rent

    $1,265a month

    10% above the county

    31% above Kentucky

    • Bellevue
    • Campbell
    • Kentucky

  • Typical household income

    $71,166a year

    8% below the county

    12% above Kentucky

    • Bellevue
    • Campbell
    • Kentucky

  • Households that own their home

    70%

    1 points below the county

    2 points above Kentucky

    • Bellevue
    • Campbell
    • Kentucky

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$240,542
0.5% less than 12 months ago
Typical rent
$1,445 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bellevue is in Campbell County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Campbell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bellevue apart

What this place has that others do not, from public data, most unusual first.

  1. Bellevue has the 3rd largest share of rent-burdened renters of the 76 cities in Kentucky with more than 5,000 people (61%).

  2. Nearby, in Dayton, the typical home value is $163,500: 21% less than in Bellevue ($206,500).

  3. The typical home in Bellevue is worth $206,500, 18% less than in Campbell County as a whole ($252,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bellevue

What homes there are in Bellevue, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Bellevue: 68% of homes, more than in Campbell County (64%).

Year built

The typical home in Bellevue was built before 1940, the oldest group the Census tells apart; 84% of homes date from before 1960.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 97% of owner-occupied homes in Bellevue are worth less than $500,000, below the FHA loan limit for Campbell County ($541,287).

Monthly rent with utilities

With a mortgage

$1,541 a month

Campbell County: $1,627 a month

Without a mortgage

$497 a month

Campbell County: $592 a month

Owners with a mortgage

66%

Campbell County: 65%

The typical cost for an owner with a mortgage in Bellevue is $1,541 a month, less than in Campbell County ($1,627); without one, $497.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Bellevue rose 51%; in Campbell County, it rose 47%.

The typical rent in Bellevue rose 59% over the same time; in Campbell County, it rose 35%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBellevueCampbell CountyKentuckyUnited States
Rental vacancy Unreliable estimate6.8%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.5%2.0%3.4%
People per household 2.052.322.432.53
Drive alone 73%72%77%69%
Carpool 8%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 15%17%10%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Bellevue are smaller: 2.05 people on average; in Campbell County, 2.32.

To get to work, 73% of workers in Bellevue drive alone; in Campbell County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bellevue?

A typical home is tight for the typical income

We start with a typical home in Bellevue, worth $206,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Bellevue, which is $71,166 a year. For that payment to be 28% of income, a household would need to earn about $74,729 a year.

The calculator's FHA and conventional loan limits are those of all of Campbell County.

Your numbers

Local data
$

Starts at the typical home value in Bellevue. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,228 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,744

at 7.18% · 30 years

Loan amount
$202,759
Total interest
$291,723
Paid off in
November 2056

Includes $3,487 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,661 a month

  • Tight

    $1,661 to $2,135 a month

    Your payment · 29%

  • Hard

    more than $2,135 a month

Compared with the typical household income in Bellevue ($71,166 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,744
Principal & interest$1,374
Property tax$193
Home insurance$86
FHA mortgage insurance (MIP)$91

You need at least $7,228 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Bellevue and Campbell County

Bellevue is in Campbell County, Kentucky. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Bellevue's own numbers

Typical home value
$206,500
Typical monthly rent
$1,265
Typical yearly household income
$71,166
Households that own their home
70%
Effective property tax rate
1.12%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Campbell County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Campbell County.

Everything about Campbell County

Buying

Buying a home in Bellevue

A typical home in Bellevue is worth $206,500: 18% below the county and about the same as Kentucky. With the typical household income in Bellevue ($71,166 a year), a typical home costs 2.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Bellevue 2.9 years
  • Campbell 3.2 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Campbell County

According to FHFA’s house price index, home prices in Campbell County rose 101% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Campbell County.

Period County Kentucky U.S.
Last year (2025) +4.2% +3.9% +2.9%
5 years (2020–2025) +54% +50% +47%
10 years (2015–2025) +101% +84% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Bellevue next to Campbell County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Bellevue $206,500
  • Campbell $252,000
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Bellevue $1,265
  • Campbell $1,145
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Bellevue $71,166
  • Campbell $77,567
  • Kentucky $63,726
  • United States $80,734
See the full table
Bellevue next to Campbell County and Kentucky
Measure Bellevue Campbell County Kentucky U.S.
Typical home value $206,500 $252,000 $205,600 $332,700
Typical monthly rent $1,265 $1,145 $967 $1,413
Typical yearly household income $71,166 $77,567 $63,726 $80,734
Households that own their home 70% 71% 68% 65%
Typical yearly property tax $2,318 $2,556 $1,544 $3,119
Effective property tax rate 1.12% 1.01% 0.75% 0.94%
Renters with high rent for their income 61% 49% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Campbell County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Bellevue

For a typical $206,500 home in Bellevue, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bellevue's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,744a month

    Least cash to close
    Down payment
    $7,228
    Cash to close
    $13,423
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,706a month

    Down payment
    $10,325
    Cash to close
    $16,520
    Rate
    7.18%
    Mortgage insurance
    PMI · $98

  • Conventional, 20% down, no PMI $1,398a month

    Down payment
    $41,300
    Cash to close
    $47,495
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,589a month

    Down payment
    $30,975
    Cash to close
    $37,170
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bellevue and for Campbell County.

Property tax

Effective rate in Bellevue

1.12%of the home’s value each year

$2,318 a year for the typical owner in Bellevue.

  • Bellevue 1.12%
  • Campbell 1.01%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Campbell County

FEMA does not publish these numbers by city: they are for all of Campbell County.

Homes in the high-risk zone
2.9%
794
Of those, with NFIP insurance
37%
County Kentucky U.S.
Homes in the high-risk zone 2.9% 3.5% 3.5%
Of those, with NFIP insurance 37% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bellevue

Typical rent in Bellevue is $1,265 a month: 10% above the county. In Bellevue, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Campbell County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.

HUD fair market rent for all of Campbell County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,052 $20.23 $42,080
1 bedroom $1,128 $21.69 $45,120
2 bedrooms $1,442 $27.73 $57,680
3 bedrooms $1,897 $36.48 $75,880
4 bedrooms $2,141 $41.17 $85,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Bellevue

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bellevue is in ZIP code 41073.

For 2 bedrooms it is $1,540: $98 more than the fair market rent for Campbell County ($1,442).

  • 41073 $1,540$2,030

A ZIP code counts for Bellevue when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Bellevue

HUD lists one building with rents for lower incomes in Bellevue.

  • 330 Center ST 330 Center St, Bellevue 41073 4 low-income homes · In service since 1991

See all 25 buildings in Campbell County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bellevue

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Campbell County; 1 says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Bellevue

No down payment, repair or rent-help program on our list is for Bellevue or Campbell County. The ones below are statewide in Kentucky: they work in Bellevue the same as in the rest of the state.

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Bellevue

The HUD-approved agencies closest to the center of Bellevue, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Brighton Center, Incorporated

    799 Ann Street, Newport · 1 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (859) 491-8303

  • Legal Aid of the Bluegrass

    104 E 7th St, Covington · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 2 more
    (859) 431-8200

  • Catholic Charities, Diocese of Covington

    3629 Church St, Covington · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (859) 581-8974

Every agency in Campbell County All counseling agencies in Kentucky

Help in Spanish near Bellevue

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bellevue

HUD’s record names them for Bellevue or Campbell County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Campbell County Department of Housing Section 8 vouchers (859) 261-5200

2 other authorities have an office in Campbell County: see the list Source: HUD

Cities

Other cities in Campbell County

These cities are also in Campbell County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Campbell County Housing in Kentucky

Nearby cities

The cities closest to Bellevue, with the typical home value.

Neighboring counties

If Campbell County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bellevue.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Bellevue

Short answers with the numbers for Bellevue and all of Campbell County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Bellevue?

The typical home value in Bellevue is $206,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Campbell County it is $252,000.

How much does it cost to rent in Bellevue?

Typical rent in Bellevue is $1,265 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Campbell County is $1,442.

What is the FHA loan limit in Bellevue?

Bellevue uses the FHA limit for all of Campbell County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Bellevue?

The typical homeowner in Bellevue pays $2,318 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Campbell County, the rate is 1.01%.

Where can I find free help to buy or rent in Bellevue?

There is 1 HUD-approved counseling agency with an office in Campbell County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).