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City · 8,447 residents · Kenton County, Kentucky

Edgewood , Kentucky

In Edgewood, a typical home is worth $312,200 and typical rent is $1,073 a month. Compared with all of Kenton County, typical household income is 48% higher, the typical home value is 28% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $312,200

    28% above the county

    52% above Kentucky

    • Edgewood
    • Kenton
    • Kentucky

  • Typical rent

    $1,073a month

    About the same as the county

    11% above Kentucky

    • Edgewood
    • Kenton
    • Kentucky

  • Typical household income

    $119,028a year

    48% above the county

    87% above Kentucky

    • Edgewood
    • Kenton
    • Kentucky

  • Households that own their home

    93%

    22 points above the county

    25 points above Kentucky

    • Edgewood
    • Kenton
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$373,877
4.1% more than 12 months ago

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

Edgewood is in Kenton 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 Kenton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Edgewood apart

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

  1. Edgewood has the highest homeownership rate of the 84 cities in Kentucky with more than 5,000 people: 93%.

  2. Edgewood has the 3rd highest typical household income of the 85 cities in Kentucky with more than 5,000 people ($119,028).

  3. Nearby, in Elsmere, the typical home value is $171,900: 45% less than in Edgewood ($312,200).

  4. The typical home in Edgewood is worth $312,200, 28% more than in Kenton County as a whole ($244,400).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Edgewood rose 4.1%; in Kentucky, it barely changed.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Edgewood

What homes there are in Edgewood, 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

Detached houses, standing on their own, make up 94% of homes here, against 68% in Kenton County.

Year built

In Edgewood, half of the homes were built before 1976; in Kenton County, before 1974.

Homes in Edgewood are bigger: 92% have 3 bedrooms or more; in Kenton County, 61%.

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
Monthly rent with utilities

With a mortgage

$1,813 a month

Kenton County: $1,584 a month

Without a mortgage

$600 a month

Kenton County: $580 a month

Owners with a mortgage

62%

Kenton County: 68%

Owning costs more in Edgewood: with a mortgage, the typical cost is $1,813 a month; in Kenton County, $1,584. Without one, $600.

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

The typical home value in Edgewood rose 38% since 2015–2019, less than in Kenton County (52%).

Since 2015–2019, the typical rent in Edgewood did not change clearly, according to the Census.

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

MeasureEdgewoodKenton CountyKentuckyUnited States
Rental vacancy Unreliable estimate6.3%4.6%5.5%
Homeowner vacancy Unreliable estimate1.4%0.9%0.9%
More than one person per room Unreliable estimate2.1%2.0%3.4%
People per household 2.542.522.432.53
Drive alone 74%75%77%69%
Carpool 4%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%14%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Edgewood has 2.54 people on average, about the same as in Kenton County (2.52).

In Edgewood, 19% of workers work from home, more than in Kenton County (14%).

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 Edgewood?

A typical home is within reach of the typical income

We start with a typical home in Edgewood, worth $312,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Edgewood, which is $119,028 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Edgewood. 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 $10,927 (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

$2,587

at 7.18% · 30 years

Loan amount
$306,545
Total interest
$441,047
Paid off in
November 2056

Includes $5,272 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,777 a month

    Your payment · 26%

  • Tight

    $2,777 to $3,571 a month

  • Hard

    more than $3,571 a month

Compared with the typical household income in Edgewood ($119,028 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,587
Principal & interest$2,077
Property tax$242
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,927 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

Edgewood and Kenton County

Edgewood is in Kenton 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).

Edgewood's own numbers

Typical home value
$312,200
Typical monthly rent
$1,073
Typical yearly household income
$119,028
Households that own their home
93%
Effective property tax rate
0.93%

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

Numbers for all of Kenton 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)
+53%
Homes in a high flood-risk zone
0.9%

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 Kenton County.

Everything about Kenton County

Buying

Buying a home in Edgewood

A typical home in Edgewood is worth $312,200: 28% above the county and 52% above Kentucky. With the typical household income in Edgewood ($119,028 a year), a typical home costs 2.6 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.

  • Edgewood 2.6 years
  • Kenton 3.0 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kenton County

According to FHFA’s house price index, home prices in Kenton County rose 96% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.6% +3.9% +2.9%
5 years (2020–2025) +53% +50% +47%
10 years (2015–2025) +96% +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

Edgewood next to Kenton 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
  • Edgewood $312,200
  • Kenton $244,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Edgewood $1,073
  • Kenton $1,069
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Edgewood $119,028
  • Kenton $80,548
  • Kentucky $63,726
  • United States $80,734
See the full table
Edgewood next to Kenton County and Kentucky
Measure Edgewood Kenton County Kentucky U.S.
Typical home value $312,200 $244,400 $205,600 $332,700
Typical monthly rent $1,073 $1,069 $967 $1,413
Typical yearly household income $119,028 $80,548 $63,726 $80,734
Households that own their home 93% 71% 68% 65%
Typical yearly property tax $2,909 $2,395 $1,544 $3,119
Effective property tax rate 0.93% 0.98% 0.75% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kenton 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 Edgewood

For a typical $312,200 home in Edgewood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edgewood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,587a month

    Least cash to close
    Down payment
    $10,927
    Cash to close
    $20,293
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,530a month

    Down payment
    $15,610
    Cash to close
    $24,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,064a month

    Down payment
    $62,440
    Cash to close
    $71,806
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,353a month

    Down payment
    $46,830
    Cash to close
    $56,196
    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 Edgewood and for Kenton County.

Property tax

Effective rate in Edgewood

0.93%of the home’s value each year

$2,909 a year for the typical owner in Edgewood.

  • Edgewood 0.93%
  • Kenton 0.98%
  • 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 Kenton County

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

Homes in the high-risk zone
0.9%
496
Of those, with NFIP insurance
31%
County Kentucky U.S.
Homes in the high-risk zone 0.9% 3.5% 3.5%
Of those, with NFIP insurance 31% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Edgewood

Typical rent in Edgewood is $1,073 a month: about the same as the county.

HUD publishes a fair market rent for all of Kenton 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 Kenton 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 Edgewood

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edgewood is in ZIP code 41017.

For 2 bedrooms it is $1,320: $122 less than the fair market rent for Kenton County ($1,442).

  • 41017 $1,320$1,740

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edgewood 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?

Free help

Help to buy or rent in Edgewood

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 are 2 HUD-approved agencies with an office in Kenton County; 2 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Edgewood

No down payment, repair or rent-help program on our list is for Edgewood or Kenton County. The ones below are statewide in Kentucky: they work in Edgewood 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 Edgewood

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

  • 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

  • Legal Aid of the Bluegrass

    104 E 7th St, Covington · 6 miles away · Spanish

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

  • Brighton Center, Incorporated

    799 Ann Street, Newport · 6 miles away · Spanish

    Also serves in Portuguese.

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

Every agency in Kenton County All counseling agencies in Kentucky

Help in Spanish near Edgewood

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 Edgewood

In HUD’s record, no housing authority with an office in Kenton County is named for Edgewood or Kenton County.

One other authority has an office in Kenton County: see the list Source: HUD

Cities

Other cities in Kenton County

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

Everything about Kenton County Housing in Kentucky

Nearby cities

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

Neighboring counties

If Kenton 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 Edgewood.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Edgewood

Short answers with the numbers for Edgewood and all of Kenton 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 Edgewood?

The typical home value in Edgewood is $312,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kenton County it is $244,400.

How much does it cost to rent in Edgewood?

Typical rent in Edgewood is $1,073 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kenton County is $1,442.

What is the FHA loan limit in Edgewood?

Edgewood uses the FHA limit for all of Kenton 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 Edgewood?

The typical homeowner in Edgewood pays $2,909 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Kenton County, the rate is 0.98%.

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

There are 2 HUD-approved counseling agencies with an office in Kenton County. 2 say they serve 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).