In Fort Wright, a typical home is worth $328,900 and typical rent is $1,142 a month. Compared with all of Kenton County, the typical home value is 35% higher and typical household income is 30% higher.
Typical home value from Zillow, September 2021 to September 2026: from $279,182 to $337,503.
Typical rent
$1,658a month
Typical rent from Zillow, June 2026 to September 2026: from $1,626 to $1,658.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fort Wright 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
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: 43% less than in Fort Wright ($328,900).
2
The typical home in Fort Wright is worth $328,900,35% more than in Kenton County as a whole ($244,400).
3
The typical household income in Fort Wright is $105,024,30% more than in Kenton County as a whole ($80,548).
4
Nearby, in Erlanger, the typical rent is $970: 15% less than in Fort Wright ($1,142).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fort Wright
What homes there are in Fort Wright, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fort Wright
Kenton County
Kentucky
United States
Kind of home: Fort Wright and its comparisons
Measure
Fort Wright
Kenton County
Kentucky
United States
Detached house
65%
68%
68%
61%
Attached house
8%
4%
3%
6%
Building of 2 to 4
11%
9%
7%
8%
Apartments (5 or more)
Unreliable estimate
17%
12%
19%
Mobile home
Unreliable estimate
2%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Fort Wright (65%), but less so than in Kenton County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fort Wright
Kenton County
Kentucky
United States
Year built: Fort Wright and its comparisons
Measure
Fort Wright
Kenton County
Kentucky
United States
Before 1960
27%
34%
22%
26%
1960–1979
33%
24%
26%
24%
1980–1999
30%
22%
28%
25%
2000–2009
8%
11%
15%
14%
2010 or later
Unreliable estimate
9%
11%
11%
In Fort Wright, half of the homes were built before 1974; in Kenton County, before 1974.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K11%
$200K–$300K25%
$300K–$500K51%
$500K–$750K10%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fort Wright and its comparisons
Measure
Fort Wright
Under $100K
Unreliable estimate
$100K–$200K
11%
$200K–$300K
25%
$300K–$500K
51%
$500K–$750K
10%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99938%
$1,000–$1,49939%
$1,500–$1,99919%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fort Wright and its comparisons
Measure
Fort Wright
Under $500
Unreliable
$500–$999
38%
$1,000–$1,499
39%
$1,500–$1,999
19%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,791 a month
Kenton County: $1,584 a month
Without a mortgage
$600 a month
Kenton County: $580 a month
Owners with a mortgage
67%
Kenton County: 68%
Owning costs more in Fort Wright: with a mortgage, the typical cost is $1,791 a month; in Kenton County, $1,584. Without one, $600.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fort Wright+63%
Kenton County+52%
Kentucky+46%
United States+53%
Typical rent
Fort Wright+30%
Kenton County+32%
Kentucky+27%
United States+33%
Typical household income
Fort WrightNo clear change
Kenton County+25%
Kentucky+26%
United States+29%
Change since 2015–2019: Fort Wright and its comparisons
Measure
Fort Wright
Kenton County
Kentucky
United States
Typical home value
+63%
+52%
+46%
+53%
Typical rent
+30%
+32%
+27%
+33%
Typical household income
No clear change
+25%
+26%
+29%
Since 2015–2019, homes in Fort Wright gained value faster than in Kenton County: 63% against 52%.
Rents in Fort Wright rose at about the same pace as in Kenton County: 30% since 2015–2019, against 32%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fort Wright and its comparisons
Measure
Fort Wright
Kenton County
Kentucky
United States
Rental vacancy
Unreliable estimate
6.3%
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
0.9%
0.9%
More than one person per room
Unreliable estimate
2.1%
2.0%
3.4%
People per household
2.54
2.52
2.43
2.53
Drive alone
75%
75%
77%
69%
Carpool
12%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
13%
14%
10%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Kenton County, a household in Fort Wright has 2.54 people on average.
In Fort Wright, 12% of workers share a car to get to work; in Kenton County, 7%.
Do the math
What would you pay each month for a home in Fort Wright?
A typical home is tight for the typical income
We start with a typical home in Fort Wright, worth $328,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Fort Wright, which is $105,024 a year. For that payment to be 28% of income, a household would need to earn about $115,265 a year.
The calculator's FHA and conventional loan limits are those of all of Kenton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fort Wright. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,512 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,690
at 7.18% · 30 years
Loan amount
$322,942
Total interest
$464,638
Paid off in
November 2056
Includes $5,554 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,451 a month
Tight
$2,451 to $3,151 a month
Your payment · 31%
Hard
more than $3,151 a month
Compared with the typical household income in Fort Wright ($105,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,188
Property tax
$219
Home insurance
$137
FHA mortgage insurance (MIP)
$145
You need at least $11,512 for the down payment, plus closing costs.
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.
Total monthly payment $2,690; principal and interest $2,188.
The city and its county
Fort Wright and Kenton County
Fort Wright 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 Wright
Map of Kenton County, Kentucky, with Fort Wright marked. Around it, the neighboring counties.
Fort Wright
Kenton County
Other cities with a page
Fort Wright's own numbers
Typical home value
$328,900
Typical monthly rent
$1,142
Typical yearly household income
$105,024
Households that own their home
71%
Effective property tax rate
0.8%
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.
A typical home in Fort Wright is worth $328,900: 35% above the county and 60% above Kentucky. With the typical household income in Fort Wright ($105,024 a year), a typical home costs 3.1 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 Wright3.1 years
Kenton3.0 years
Kentucky3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Kenton County, 2016 to 2025
2016: +5.1% +5.1% 2016
2017: +4.2% +4.2% 2017
2018: +5.7% +5.7% 2018
2019: +5.8% +5.8% 2019
2020: +5.0% +5.0% 2020
2021: +10.9% +10.9% 2021
2022: +15.3% +15.3% 2022
2023: +7.8% +7.8% 2023
2024: +6.8% +6.8% 2024
2025: +3.6% +3.6% 2025
Change in FHFA’s price index in Kenton County, Kentucky and the United States
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 Wright 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 Wright$328,900
Kenton$244,400
Kentucky$205,600
United States$332,700
Typical monthly rent
Fort Wright$1,142
Kenton$1,069
Kentucky$967
United States$1,413
Typical yearly household income
Fort Wright$105,024
Kenton$80,548
Kentucky$63,726
United States$80,734
See the full table
Fort Wright next to Kenton County and Kentucky
Measure
Fort Wright
Kenton County
Kentucky
U.S.
Typical home value
$328,900 ▲35% above the county
$244,400
$205,600
$332,700
Typical monthly rent
$1,142 ▲7% above the county
$1,069
$967
$1,413
Typical yearly household income
$105,024 ▲30% above the county
$80,548
$63,726
$80,734
Households that own their home
71%
71%
68%
65%
Typical yearly property tax
$2,616 ▲9% above the county
$2,395
$1,544
$3,119
Effective property tax rate
0.8% ▼0.18 points below the county
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 Fort Wright
For a typical $328,900 home in Fort Wright, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Wright's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,690a month
Least cash to close
Down payment
$11,512
Cash to close
$21,379
Rate
7.18%
Mortgage insurance
FHA MIP · $145
Conventional, 5% down$2,629a month
Down payment
$16,445
Cash to close
$26,312
Rate
7.18%
Mortgage insurance
PMI · $156
Conventional, 20% down, no PMI$2,139a month
Down payment
$65,780
Cash to close
$75,647
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,443a month
Down payment
$49,335
Cash to close
$59,202
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fort Wright
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,690
$11,512
$322,943
7.18%
FHA MIP · $145
$21,379
580
Conventional, 5% down
$2,629
$16,445
$312,455
7.18%
PMI · $156
$26,312
620*
Conventional, 20% down, no PMI
$2,139
$65,780
$263,120
7.18%
None
$75,647
620*
ITIN, 15% down (example)
$2,443
$49,335
$279,565
8.18%
None
$59,202
Set by the lender
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.
Typical rent in Fort Wright is $1,142 a month: 7% above 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kenton County (Fiscal year 2027)
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 Wright
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Wright 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).
Fair market rent by ZIP code and size in Fort Wright, fiscal year 2027.
41011
$1,120
$1,200
$1,530
$2,010
$2,270
41017
$960
$1,030
$1,320
$1,740
$1,960
ZIP code2 bd3 bd
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 Wright 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Fort Wright or Kenton County. The ones below are statewide in Kentucky: they work in Fort Wright the same as in the rest of the state.
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).
No legal help resource on our list is for Fort Wright or Kenton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Fort Wright 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 Wright?
The typical home value in Fort Wright is $328,900, 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 Wright?
Typical rent in Fort Wright is $1,142 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 Wright?
Fort Wright 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 Wright?
The typical homeowner in Fort Wright pays $2,616 a year, according to the U.S. Census Bureau. That is 0.8% 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 Wright?
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.
