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Campbell County/Fort Thomas/41075

41075

ZIPSAFMR
Campbell County, KY
Zillow

ZIP Investment Score

87Below average

095130300
BRFMR
Eff. Rent
0 BR$1,060$960
1 BR$1,130$1,240
2 BR$1,450$1,600
3 BR$1,910$2,040
4 BR$2,150$2,250
5 BR$2,473Not available
6 BR$2,843Not available
7 BR$3,270Not available
8 BR$3,760Not available

Purchase Price Calculator

Maximum purchase price
$175,843

Cost breakdown

+Likely effective rent$1,600
HUD FMR$1,450
Market rent$1,680
Est. payment standard (110%)Used$1,600
-Principal and interest-$889
Loan amount$140,674
Down payment$35,169
Rate6.50%
Term30 years
-Operating costs-$511
Property taxes-$176
Insurance-$175
Utilities$0
HOA$0
Management-$160
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$25,761(73.2% ROI)
Projected value
$189,364
Return breakdown
Property appreciation+$13,521
Loan principal paid down+$5,040
Rental cash flow+$7,200
5-year hold
+$44,095(125.4% ROI)
Projected value
$198,950
Return breakdown
Property appreciation+$23,107
Loan principal paid down+$8,988
Rental cash flow+$12,000
10-year hold
+$94,667(269.2% ROI)
Projected value
$225,094
Return breakdown
Property appreciation+$49,251
Loan principal paid down+$21,416
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.10
1 BR
0.80
2 BR
0.86
3 BR
0.91
4 BR
0.93
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 41075 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 41075 (Fort Thomas, KY) is $1,450 a month. That is up 5.8% from $1,370 in FY 2026. Fort Thomas is in the Cincinnati, OH-KY-IN HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 12 ZIP codes in Campbell County, 41075 has the 5th-highest two-bedroom rent (county range $1,010–$1,600). The median county two-bedroom FMR in Kentucky is $925, so ZIP 41075 is 57% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 41075
BedroomsFY 2027Change90–110% range
Studio$1,060+9.3%$954–$1,166
1BR$1,130+6.6%$1,017–$1,243
2BR$1,450+5.8%$1,305–$1,595
3BR$1,910+5.5%$1,719–$2,101
4BR$2,150+7.5%$1,935–$2,365

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 41075
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,060$1,130$1,450$1,910$2,150
FY 2026$970$1,060$1,370$1,810$2,000
FY 2025$890$1,000$1,290$1,710$1,890
FY 2024$820$930$1,210$1,610$1,790
FY 2023$740$850$1,110$1,490$1,670

Two-bedroom rent in nearby Campbell County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 41075
41001$1,490+2.8%
41006$1,040−28.3%
41007$1,300−10.3%
41059$1,010−30.3%
41071$1,600+10.3%
41072$1,440−0.7%
41073$1,540+6.2%
41074$1,430−1.4%
41075Current$1,450—
41076$1,500+3.4%
41085$1,010−30.3%
41099$1,440−0.7%

Questions about ZIP 41075 rents

How much will Section 8 pay for a two-bedroom in ZIP 41075?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,450, that basic range is $1,305 to $1,595 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 41075 in?

ZIP 41075 is in the Cincinnati, OH-KY-IN HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 41075 for FY 2027?

The two-bedroom FMR rose 5.8%, from $1,370 in FY 2026 to $1,450 in FY 2027. Since FY 2023 it has risen 30.6%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentFort Thomas, KY fair market rentKY statewide rentsWhat is SAFMR?Data sources