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City · 10,565 residents · Boone County, Kentucky

Francisville , Kentucky

In Francisville, a typical home is worth $398,000 and typical rent is $1,420 a month. Compared with all of Boone County, typical household income is 60% higher, the typical home value is 44% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $398,000

    44% above the county

    94% above Kentucky

    • Francisville
    • Boone
    • Kentucky

  • Typical rent

    $1,420a month

    3% above the county

    47% above Kentucky

    • Francisville
    • Boone
    • Kentucky

  • Typical household income

    $159,371a year

    60% above the county

    150% above Kentucky

    • Francisville
    • Boone
    • Kentucky

  • Households that own their home

    90%

    14 points above the county

    22 points above Kentucky

    • Francisville
    • Boone
    • Kentucky

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

Francisville is in Boone 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 Boone County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Francisville apart

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

  1. Francisville has the highest typical household income of the 85 cities in Kentucky with more than 5,000 people: $159,371.

  2. Francisville has the 2nd highest typical home value of the 83 cities in Kentucky with more than 5,000 people ($398,000).

  3. Francisville has the 3rd highest homeownership rate of the 84 cities in Kentucky with more than 5,000 people (90%).

  4. Nearby, in Erlanger, the typical home value is $209,000: 47% less than in Francisville ($398,000).

  5. Nearby, in Erlanger, the typical rent is $970: 32% less than in Francisville ($1,420).

  6. Francisville has the 8th highest typical rent of the 85 cities in Kentucky with more than 5,000 people ($1,420).

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

The homes here

Housing in Francisville

What homes there are in Francisville, 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 Francisville, 9 in 10 homes are single-family detached houses; in Boone County, 7.

Year built

Homes in Francisville are newer: the typical year built is 2004; in Boone County, 1996.

Homes in Francisville are bigger: 89% have 3 bedrooms or more; in Boone County, 70%.

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

$1,985 a month

Boone County: $1,656 a month

Without a mortgage

$735 a month

Boone County: $582 a month

Owners with a mortgage

79%

Boone County: 70%

In Francisville, 79% of owners have a mortgage, and their typical cost is $1,985 a month, against $1,656 in Boone County. Without one it drops to $735.

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 Francisville rose 42% since 2015–2019, less than in Boone County (46%).

The typical rent in Francisville rose 19% over the same time; in Boone County, it rose 39%.

While home values in Francisville changed +42% and rent +19%, the typical household income rose 28%.

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

MeasureFrancisvilleBoone CountyKentuckyUnited States
Rental vacancy Unreliable estimate4.3%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate2.3%2.0%3.4%
People per household 2.972.722.432.53
Drive alone 78%77%77%69%
Carpool 8%7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate0%2%3%
Work from home 13%13%10%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Francisville has 2.97 people, more than in Boone County (2.72).

In Francisville, 78% of workers drive alone to work; in Boone County, 77%.

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 Francisville?

A typical home is within reach of the typical income

We start with a typical home in Francisville, worth $398,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Francisville, which is $159,371 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Francisville. 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 $13,930 (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

$3,271

at 7.18% · 30 years

Loan amount
$390,791
Total interest
$562,257
Paid off in
November 2056

Includes $6,721 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,719 a month

    Your payment · 25%

  • Tight

    $3,719 to $4,781 a month

  • Hard

    more than $4,781 a month

Compared with the typical household income in Francisville ($159,371 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,271
Principal & interest$2,647
Property tax$282
Home insurance$166
FHA mortgage insurance (MIP)$176

You need at least $13,930 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

Francisville and Boone County

Francisville is in Boone 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).

Francisville's own numbers

Typical home value
$398,000
Typical monthly rent
$1,420
Typical yearly household income
$159,371
Households that own their home
90%
Effective property tax rate
0.85%

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

Numbers for all of Boone 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)
+50%
Homes in a high flood-risk zone
0.7%

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 Boone County.

Everything about Boone County

Buying

Buying a home in Francisville

A typical home in Francisville is worth $398,000: 44% above the county and 94% above Kentucky. With the typical household income in Francisville ($159,371 a year), a typical home costs 2.5 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.

  • Francisville 2.5 years
  • Boone 2.8 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Boone County

According to FHFA’s house price index, home prices in Boone County rose 88% in the 10 years through 2025.

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

Period County Kentucky U.S.
Last year (2025) +3.2% +3.9% +2.9%
5 years (2020–2025) +50% +50% +47%
10 years (2015–2025) +88% +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

Francisville next to Boone 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
  • Francisville $398,000
  • Boone $277,300
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Francisville $1,420
  • Boone $1,373
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Francisville $159,371
  • Boone $99,414
  • Kentucky $63,726
  • United States $80,734
See the full table
Francisville next to Boone County and Kentucky
Measure Francisville Boone County Kentucky U.S.
Typical home value $398,000 $277,300 $205,600 $332,700
Typical monthly rent $1,420 $1,373 $967 $1,413
Typical yearly household income $159,371 $99,414 $63,726 $80,734
Households that own their home 90% 76% 68% 65%
Typical yearly property tax $3,377 $2,372 $1,544 $3,119
Effective property tax rate 0.85% 0.86% 0.75% 0.94%

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

For a typical $398,000 home in Francisville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Francisville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,271a month

    Least cash to close
    Down payment
    $13,930
    Cash to close
    $25,870
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $176

  • Conventional, 5% down $3,198a month

    Down payment
    $19,900
    Cash to close
    $31,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $189

  • Conventional, 20% down, no PMI $2,605a month

    Down payment
    $79,600
    Cash to close
    $91,540
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,973a month

    Down payment
    $59,700
    Cash to close
    $71,640
    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 Francisville and for Boone County.

Property tax

Effective rate in Francisville

0.85%of the home’s value each year

$3,377 a year for the typical owner in Francisville.

  • Francisville 0.85%
  • Boone 0.86%
  • 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 Boone County

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

Homes in the high-risk zone
0.7%
294
Of those, with NFIP insurance
5.4%
County Kentucky U.S.
Homes in the high-risk zone 0.7% 3.5% 3.5%
Of those, with NFIP insurance 5.4% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Francisville

Typical rent in Francisville is $1,420 a month: 3% above the county.

HUD publishes a fair market rent for all of Boone 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 Boone 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 Francisville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Francisville is in ZIP code 41048.

For 2 bedrooms it is $1,830: $388 more than the fair market rent for Boone County ($1,442).

  • 41048 $1,830$2,410

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

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.

We found no HUD-approved agencies with an office in Boone County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Francisville

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

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

  • Legal Aid of the Bluegrass

    104 E 7th St, Covington · 12 miles away · Spanish

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

  • Brighton Center, Incorporated

    799 Ann Street, Newport · 13 miles away · Spanish

    Also serves in Portuguese.

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

  • Catholic Charities, Diocese of Covington

    3629 Church St, Covington · 13 miles away · Spanish

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

All counseling agencies in Kentucky

Help in Spanish near Francisville

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 Francisville

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

All housing agencies in Kentucky Source: HUD

Cities

Other cities in Boone County

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

Everything about Boone County Housing in Kentucky

Nearby cities

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

Neighboring counties

If Boone 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 Francisville.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Francisville

Short answers with the numbers for Francisville and all of Boone 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 Francisville?

The typical home value in Francisville is $398,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Boone County it is $277,300.

How much does it cost to rent in Francisville?

Typical rent in Francisville is $1,420 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Boone County is $1,442.

What is the FHA loan limit in Francisville?

Francisville uses the FHA limit for all of Boone 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 Francisville?

The typical homeowner in Francisville pays $3,377 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Boone County, the rate is 0.86%.

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

We found no HUD-approved counseling agencies with an office in Boone County; the nearest ones are on this page. 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).