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City · 8,713 residents · Kenton County, Kentucky

Fort Mitchell , Kentucky

In Fort Mitchell, a typical home is worth $357,100 and typical rent is $1,039 a month. Compared with all of Kenton County, the typical home value is 46% higher, typical household income is 7% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $357,100

    46% above the county

    74% above Kentucky

    • Fort Mitchell
    • Kenton
    • Kentucky

  • Typical rent

    $1,039a month

    3% below the county

    7% above Kentucky

    • Fort Mitchell
    • Kenton
    • Kentucky

  • Typical household income

    $86,310a year

    7% above the county

    35% above Kentucky

    • Fort Mitchell
    • Kenton
    • Kentucky

  • Households that own their home

    58%

    12 points below the county

    10 points below Kentucky

    • Fort Mitchell
    • Kenton
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$420,814
5.1% more than 12 months ago
Typical rent
$1,323 a month

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

Fort Mitchell 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 Fort Mitchell apart

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

  1. Nearby, in Covington, the typical home value is $187,300: 48% less than in Fort Mitchell ($357,100).

  2. The typical home in Fort Mitchell is worth $357,100, 46% more than in Kenton County as a whole ($244,400).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Fort Mitchell rose 5.1%; in Kentucky, it barely changed.

  4. 58% of households in Fort Mitchell own their home, against 71% in Kenton County.

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

The homes here

Housing in Fort Mitchell

What homes there are in Fort Mitchell, 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

In Fort Mitchell, 6 in 10 homes are single-family detached houses; in Kenton County, 7.

Year built

The typical year built in Fort Mitchell is 1971, about the same as in Kenton County (1974).

There are fewer big homes in Fort Mitchell than in Kenton County: 54% have 3 bedrooms or more, against 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

$1,896 a month

Kenton County: $1,584 a month

Without a mortgage

$898 a month

Kenton County: $580 a month

Owners with a mortgage

70%

Kenton County: 68%

In Fort Mitchell, 70% of owners have a mortgage, and their typical cost is $1,896 a month, against $1,584 in Kenton County. Without one it drops to $898.

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

Homes in Fort Mitchell gained value more slowly than in Kenton County: 31% since 2015–2019, against 52%.

Much as in Kenton County, the typical rent in Fort Mitchell rose 32% since 2015–2019.

Housing prices ran ahead of income in Fort Mitchell: typical income rose 27%, against +31% for home values and +32% for rent.

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

MeasureFort MitchellKenton 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 2.412.522.432.53
Drive alone 75%75%77%69%
Carpool Unreliable estimate7%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 Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Kenton County, a household in Fort Mitchell has 2.41 people on average.

Many people here do not commute at all: 19% work from home; 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 Fort Mitchell?

A typical home costs more than the typical income allows

We start with a typical home in Fort Mitchell, worth $357,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Fort Mitchell, which is $86,310 a year. For that payment to be 28% of income, a household would need to earn about $131,141 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 Fort Mitchell. 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 $12,499 (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

$3,060

at 7.18% · 30 years

Loan amount
$350,632
Total interest
$504,476
Paid off in
November 2056

Includes $6,031 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,014 a month

  • Tight

    $2,014 to $2,589 a month

  • Hard

    more than $2,589 a month

    Your payment · 43%

Compared with the typical household income in Fort Mitchell ($86,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,060
Principal & interest$2,375
Property tax$378
Home insurance$149
FHA mortgage insurance (MIP)$158

You need at least $12,499 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

Fort Mitchell and Kenton County

Fort Mitchell 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).

Fort Mitchell's own numbers

Typical home value
$357,100
Typical monthly rent
$1,039
Typical yearly household income
$86,310
Households that own their home
58%
Effective property tax rate
1.27%

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 Fort Mitchell

A typical home in Fort Mitchell is worth $357,100: 46% above the county and 74% above Kentucky. With the typical household income in Fort Mitchell ($86,310 a year), a typical home costs 4.1 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.

  • Fort Mitchell 4.1 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

Fort Mitchell 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
  • Fort Mitchell $357,100
  • Kenton $244,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Fort Mitchell $1,039
  • Kenton $1,069
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Fort Mitchell $86,310
  • Kenton $80,548
  • Kentucky $63,726
  • United States $80,734
See the full table
Fort Mitchell next to Kenton County and Kentucky
Measure Fort Mitchell Kenton County Kentucky U.S.
Typical home value $357,100 $244,400 $205,600 $332,700
Typical monthly rent $1,039 $1,069 $967 $1,413
Typical yearly household income $86,310 $80,548 $63,726 $80,734
Households that own their home 58% 71% 68% 65%
Typical yearly property tax $4,546 $2,395 $1,544 $3,119
Effective property tax rate 1.27% 0.98% 0.75% 0.94%
Renters with high rent for their income 39% 44% 45% 51%

“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 Fort Mitchell

For a typical $357,100 home in Fort Mitchell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Mitchell's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,060a month

    Least cash to close
    Down payment
    $12,499
    Cash to close
    $23,212
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $158

  • Conventional, 5% down $2,995a month

    Down payment
    $17,855
    Cash to close
    $28,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,462a month

    Down payment
    $71,420
    Cash to close
    $82,133
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,792a month

    Down payment
    $53,565
    Cash to close
    $64,278
    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 Fort Mitchell and for Kenton County.

Property tax

Effective rate in Fort Mitchell

1.27%of the home’s value each year

$4,546 a year for the typical owner in Fort Mitchell.

  • Fort Mitchell 1.27%
  • 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 Fort Mitchell

Typical rent in Fort Mitchell is $1,039 a month: 3% below the county. In Fort Mitchell, 39% of renter households pay 30% or more of their income in rent.

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 Fort Mitchell

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Mitchell has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,320 in 41017 to $1,530 in 41011.

1 of the 2 is above the fair market rent for Kenton County ($1,442).

  • 41011 $1,530$2,010
  • 41017 $1,320$1,740

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Mitchell 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 Fort Mitchell

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Fort Mitchell

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

The HUD-approved agencies closest to the center of Fort Mitchell, 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 · 3 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 · 4 miles away · Spanish

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

  • Brighton Center, Incorporated

    799 Ann Street, Newport · 4 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 Fort Mitchell

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 Fort Mitchell

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

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

Questions

Housing questions about Fort Mitchell

Short answers with the numbers for Fort Mitchell 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 Fort Mitchell?

The typical home value in Fort Mitchell is $357,100, 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 Fort Mitchell?

Typical rent in Fort Mitchell is $1,039 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 Fort Mitchell?

Fort Mitchell 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 Fort Mitchell?

The typical homeowner in Fort Mitchell pays $4,546 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Kenton County, the rate is 0.98%.

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

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).