City · 13,967 residents · Campbell County, Kentucky
Newport, Kentucky
In Newport, a typical home is worth $217,600 and typical rent is $1,087 a month. Compared with all of Campbell County, typical household income is 22% lower, the typical home value is 14% lower, and the share of households that own their home is 23 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $206,578 to $241,590.
Typical rent
$1,560a month
▲ 4.4% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,190 to $1,560.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Newport 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
What this place has that others do not, from public data, most unusual first.
1
48% of households in Newport own their home, against 71% in Campbell County.
2
Nearby, in Dayton, the typical home value is $163,500: 25% less than in Newport ($217,600).
3
The typical household income in Newport is $60,853,22% less than in Campbell County as a whole ($77,567).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Newport
What homes there are in Newport, 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
Newport
Campbell County
Kentucky
United States
Kind of home: Newport and its comparisons
Measure
Newport
Campbell County
Kentucky
United States
Detached house
50%
64%
68%
61%
Attached house
1%
4%
3%
6%
Building of 2 to 4
18%
8%
7%
8%
Apartments (5 or more)
30%
23%
12%
19%
Mobile home
Unreliable estimate
2%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Newport; the largest group, detached houses, adds up to 50%, less than in Campbell County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Newport
Campbell County
Kentucky
United States
Year built: Newport and its comparisons
Measure
Newport
Campbell County
Kentucky
United States
Before 1960
60%
41%
22%
26%
1960–1979
14%
16%
26%
24%
1980–1999
8%
23%
28%
25%
2000–2009
7%
10%
15%
14%
2010 or later
11%
11%
11%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K33%
$200K–$300K15%
$300K–$500K22%
$500K–$750K12%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Newport and its comparisons
Measure
Newport
Under $100K
14%
$100K–$200K
33%
$200K–$300K
15%
$300K–$500K
22%
$500K–$750K
12%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Campbell County is $541,287, and about 86% of owner-occupied homes in Newport are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50016%
$500–$99928%
$1,000–$1,49930%
HUD fair market rent, 2 bedrooms: $1,442
$1,500–$1,99913%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Newport and its comparisons
Measure
Newport
Under $500
16%
$500–$999
28%
$1,000–$1,499
30%
$1,500–$1,999
13%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 70% of rented homes in Newport cost less than HUD's 2-bedroom fair market rent for Campbell County ($1,442).
With a mortgage
$1,432 a month
Campbell County: $1,627 a month
Without a mortgage
$610 a month
Campbell County: $592 a month
Owners with a mortgage
57%
Campbell County: 65%
Owning costs less in Newport: with a mortgage, the typical cost is $1,432 a month; in Campbell County, $1,627. Without one, $610.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Newport+51%
Campbell County+47%
Kentucky+46%
United States+53%
Typical rent
Newport+48%
Campbell County+35%
Kentucky+27%
United States+33%
Typical household income
Newport+63%
Campbell County+23%
Kentucky+26%
United States+29%
Change since 2015–2019: Newport and its comparisons
Measure
Newport
Campbell County
Kentucky
United States
Typical home value
+51%
+47%
+46%
+53%
Typical rent
+48%
+35%
+27%
+33%
Typical household income
+63%
+23%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Newport rose 51%; in Campbell County, it rose 47%.
The typical rent in Newport rose 48% over the same time; in Campbell County, it rose 35%.
The typical household income in Newport rose 63%: more than home values (+51%) and rent (+48%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Newport and its comparisons
Measure
Newport
Campbell County
Kentucky
United States
Rental vacancy
8.2%
6.8%
4.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.5%
2.0%
3.4%
People per household
1.90
2.32
2.43
2.53
Drive alone
64%
72%
77%
69%
Carpool
7%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
6%
2%
2%
3%
Work from home
21%
17%
10%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Newport is 8.2%, higher than in Campbell County (6.8%).
On average, a household in Newport has 1.90 people, fewer than in Campbell County (2.32).
Many people here do not commute at all: 21% work from home; in Campbell County, 17%.
Do the math
What would you pay each month for a home in Newport?
A typical home costs more than the typical income allows
We start with a typical home in Newport, worth $217,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Newport, which is $60,853 a year. For that payment to be 28% of income, a household would need to earn about $78,590 a year.
The calculator's FHA and conventional loan limits are those of all of Campbell 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 Newport. 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 $7,616 (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
$1,834
at 7.18% · 30 years
Loan amount
$213,659
Total interest
$307,405
Paid off in
November 2056
Includes $3,675 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,420 a month
Tight
$1,420 to $1,826 a month
Hard
more than $1,826 a month
Your payment · 36%
Compared with the typical household income in Newport ($60,853 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,447
Property tax
$200
Home insurance
$91
FHA mortgage insurance (MIP)
$96
You need at least $7,616 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 $1,834; principal and interest $1,447.
The city and its county
Newport and Campbell County
Newport 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).
Newport
Map of Campbell County, Kentucky, with Newport marked. Around it, the neighboring counties.
Newport
Campbell County
Other cities with a page
Newport's own numbers
Typical home value
$217,600
Typical monthly rent
$1,087
Typical yearly household income
$60,853
Households that own their home
48%
Effective property tax rate
1.1%
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.
A typical home in Newport is worth $217,600: 14% below the county and 6% above Kentucky. With the typical household income in Newport ($60,853 a year), a typical home costs 3.6 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.
Newport3.6 years
Campbell3.2 years
Kentucky3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Campbell County, 2016 to 2025
2016: +4.3% +4.3% 2016
2017: +7.6% +7.6% 2017
2018: +6.1% +6.1% 2018
2019: +4.8% +4.8% 2019
2020: +4.4% +4.4% 2020
2021: +10.3% +10.3% 2021
2022: +15.5% +15.5% 2022
2023: +7.1% +7.1% 2023
2024: +8.6% +8.6% 2024
2025: +4.2% +4.2% 2025
Change in FHFA’s price index in Campbell County, Kentucky and the United States
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
Newport 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
Newport$217,600
Campbell$252,000
Kentucky$205,600
United States$332,700
Typical monthly rent
Newport$1,087
Campbell$1,145
Kentucky$967
United States$1,413
Typical yearly household income
Newport$60,853
Campbell$77,567
Kentucky$63,726
United States$80,734
See the full table
Newport next to Campbell County and Kentucky
Measure
Newport
Campbell County
Kentucky
U.S.
Typical home value
$217,600 ▼14% below the county
$252,000
$205,600
$332,700
Typical monthly rent
$1,087 ▼5% below the county
$1,145
$967
$1,413
Typical yearly household income
$60,853 ▼22% below the county
$77,567
$63,726
$80,734
Households that own their home
48% ▼23 points below the county
71%
68%
65%
Typical yearly property tax
$2,387 ▼7% below the county
$2,556
$1,544
$3,119
Effective property tax rate
1.1% ▲0.09 points above the county
1.01%
0.75%
0.94%
Renters with high rent for their income
45% ▼4 points below the county
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 Newport
For a typical $217,600 home in Newport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Newport's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,834a month
Least cash to close
Down payment
$7,616
Cash to close
$14,144
Rate
7.18%
Mortgage insurance
FHA MIP · $96
Conventional, 5% down$1,794a month
Down payment
$10,880
Cash to close
$17,408
Rate
7.18%
Mortgage insurance
PMI · $103
Conventional, 20% down, no PMI$1,469a month
Down payment
$43,520
Cash to close
$50,048
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,671a month
Down payment
$32,640
Cash to close
$39,168
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Newport
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,834
$7,616
$213,659
7.18%
FHA MIP · $96
$14,144
580
Conventional, 5% down
$1,794
$10,880
$206,720
7.18%
PMI · $103
$17,408
620*
Conventional, 20% down, no PMI
$1,469
$43,520
$174,080
7.18%
None
$50,048
620*
ITIN, 15% down (example)
$1,671
$32,640
$184,960
8.18%
None
$39,168
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 Newport is $1,087 a month: 5% below the county. In Newport, 45% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Campbell 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 Newport
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Newport is in ZIP code 41071.
For 2 bedrooms it is $1,600: $158 more than the fair market rent for Campbell County ($1,442).
Fair market rent by ZIP code and size in Newport, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
41071
$1,170
$1,250
$1,600
$2,110
$2,380
ZIP code2 bd3 bd
41071 $1,600$2,110
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Newport 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)
HUD lists 16 buildings with rents for lower incomes in Newport. These are the largest.
Grand Towers1359 Grand Ave, Newport 41071198 homes, 139 low-income · Run by Housing Authority of Newport · Average payment: $481 a month · Average wait: 20 months(859) 581-2533
City Wide1500 London Acres Dr, Newport 41071100 low-income homes · Run by Housing Authority of Newport · Average payment: $542 a month · Average wait: 36 months · Homes at several sites(859) 581-2533
City Wide HousingWest 8th Street, Newport 41071100 low-income homes · 1 bd: 8 · 2 bd: 55 · 3 bd: 34 · 4 bd: 3 · In service since 2009 · For families
Grand TowersGrand Ave., Newport 4107176 low-income homes · 1 bd: 76 · In service since 2005 · For older adults
Two Rivers Apts411 Elm St, Newport 4107171 homes, 70 low-income · For older adults(859) 431-2166
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.
No down payment, repair or rent-help program on our list is for Newport or Campbell County. The ones below are statewide in Kentucky: they work in Newport 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 Newport or Campbell 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 Newport 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 Newport?
The typical home value in Newport is $217,600, 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 Newport?
Typical rent in Newport is $1,087 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 Newport?
Newport 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 Newport?
The typical homeowner in Newport pays $2,387 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Campbell County, the rate is 1.01%.
Where can I find free help to buy or rent in Newport?
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.
