Español

Este sitio también está en español. Leer en español

City · 7,480 residents · Kenton County, Kentucky

Villa Hills , Kentucky

In Villa Hills, a typical home is worth $362,500 and typical rent is $1,412 a month. Compared with all of Kenton County, the typical home value is 48% higher, typical household income is 34% higher, and the share of households that own their home is 14 points higher.

WhatsApp

  • Typical home value

    $362,500

    48% above the county

    76% above Kentucky

    • Villa Hills
    • Kenton
    • Kentucky

  • Typical rent

    $1,412a month

    32% above the county

    46% above Kentucky

    • Villa Hills
    • Kenton
    • Kentucky

  • Typical household income

    $107,859a year

    34% above the county

    69% above Kentucky

    • Villa Hills
    • Kenton
    • Kentucky

  • Households that own their home

    84%

    14 points above the county

    16 points above Kentucky

    • Villa Hills
    • Kenton
    • Kentucky

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

Market now, with Zillow data

Zillow data
Typical home value
$404,030
3.4% more than 12 months ago

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

Villa Hills 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 Villa Hills apart

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

  1. Villa Hills has the 3rd highest typical home value of the 83 cities in Kentucky with more than 5,000 people ($362,500).

  2. Nearby, in Covington, the typical home value is $187,300: 48% less than in Villa Hills ($362,500).

  3. Nearby, in Erlanger, the typical rent is $970: 31% less than in Villa Hills ($1,412).

  4. The typical household income in Villa Hills is $107,859, 34% more than in Kenton County as a whole ($80,548).

  5. The typical rent in Villa Hills is $1,412 a month, 32% more than in Kenton County as a whole ($1,069).

  6. 84% of households in Villa Hills own their home, against 71% in Kenton County.

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

The homes here

Housing in Villa Hills

What homes there are in Villa Hills, 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

The detached house rules in Villa Hills: 80% of homes, more than in Kenton County (68%).

Year built

Here half of the homes date from 1981 or later; in Kenton County, from 1974 or later.

Homes in Villa Hills are bigger: 84% 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

$1,885 a month

Kenton County: $1,584 a month

Without a mortgage

$707 a month

Kenton County: $580 a month

Owners with a mortgage

62%

Kenton County: 68%

In Villa Hills, 62% of owners have a mortgage, and their typical cost is $1,885 a month, against $1,584 in Kenton County. Without one it drops to $707.

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

From 2015–2019 to 2020–2024, the typical home value in Villa Hills rose 65%; in Kenton County, it rose 52%.

Rents in Villa Hills rose faster than in Kenton County: 51% since 2015–2019, against 32%.

Here income did not keep up with housing: it rose 19%, while home values changed +65% and rent +51%.

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

MeasureVilla HillsKenton 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 2.682.522.432.53
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 13%14%10%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Villa Hills has 2.68 people, more than in Kenton County (2.52).

In Villa Hills, 75% of workers drive alone to work; in Kenton County, 75%.

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 Villa Hills?

A typical home is tight for the typical income

We start with a typical home in Villa Hills, worth $362,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Villa Hills, which is $107,859 a year. For that payment to be 28% of income, a household would need to earn about $127,428 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 Villa Hills. 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 $12,688 (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

$2,973

at 7.18% · 30 years

Loan amount
$355,934
Total interest
$512,105
Paid off in
November 2056

Includes $6,122 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,517 a month

  • Tight

    $2,517 to $3,236 a month

    Your payment · 33%

  • Hard

    more than $3,236 a month

Compared with the typical household income in Villa Hills ($107,859 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,973
Principal & interest$2,411
Property tax$251
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,688 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

Villa Hills and Kenton County

Villa Hills 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).

Villa Hills's own numbers

Typical home value
$362,500
Typical monthly rent
$1,412
Typical yearly household income
$107,859
Households that own their home
84%
Effective property tax rate
0.83%

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 Villa Hills

A typical home in Villa Hills is worth $362,500: 48% above the county and 76% above Kentucky. With the typical household income in Villa Hills ($107,859 a year), a typical home costs 3.4 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.

  • Villa Hills 3.4 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

Villa Hills 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
  • Villa Hills $362,500
  • Kenton $244,400
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Villa Hills $1,412
  • Kenton $1,069
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Villa Hills $107,859
  • Kenton $80,548
  • Kentucky $63,726
  • United States $80,734
See the full table
Villa Hills next to Kenton County and Kentucky
Measure Villa Hills Kenton County Kentucky U.S.
Typical home value $362,500 $244,400 $205,600 $332,700
Typical monthly rent $1,412 $1,069 $967 $1,413
Typical yearly household income $107,859 $80,548 $63,726 $80,734
Households that own their home 84% 71% 68% 65%
Typical yearly property tax $3,026 $2,395 $1,544 $3,119
Effective property tax rate 0.83% 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 Villa Hills

For a typical $362,500 home in Villa Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Villa Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,973a month

    Least cash to close
    Down payment
    $12,688
    Cash to close
    $23,563
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $2,907a month

    Down payment
    $18,125
    Cash to close
    $29,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,366a month

    Down payment
    $72,500
    Cash to close
    $83,375
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,701a month

    Down payment
    $54,375
    Cash to close
    $65,250
    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 Villa Hills and for Kenton County.

Property tax

Effective rate in Villa Hills

0.83%of the home’s value each year

$3,026 a year for the typical owner in Villa Hills.

  • Villa Hills 0.83%
  • 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 Villa Hills

Typical rent in Villa Hills is $1,412 a month: 32% 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.

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 Villa Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Villa Hills 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 Villa Hills 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 Villa Hills

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Villa Hills

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

The HUD-approved agencies closest to the center of Villa Hills, 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 · 5 miles away · Spanish

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

  • Catholic Charities, Diocese of Covington

    3629 Church St, Covington · 5 miles away · Spanish

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

  • 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 Villa Hills

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 Villa Hills

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

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Villa Hills

Short answers with the numbers for Villa Hills 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 Villa Hills?

The typical home value in Villa Hills is $362,500, 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 Villa Hills?

Typical rent in Villa Hills is $1,412 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 Villa Hills?

Villa Hills 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 Villa Hills?

The typical homeowner in Villa Hills pays $3,026 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Kenton County, the rate is 0.98%.

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

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).