Zip lookup · KY

41051
Independence, Kentucky.

Independence, Kenton County, KY · Cincinnati, OH-KY-IN metro · population 33,054

What it costs per month · 41051 $1,759/mo

to buy the typical home at today's mortgage rate — +$960 (+120%) since Jan 2020.

What the home itself did
1 year
Up $9,356 +3%
$325,705$335,061 since Sep 2025
5 years
Up $67,750 +25%
$267,311$335,061 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 41051 $1,759 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 41051$1,759
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 15 years.

Typical home values in zip 41051 rose 2.9% over the past year — faster than the nation's +1.2%.

Asking rents in zip 41051 rose 5.3% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 41051 runs $313/mo more than renting one. The gap peaked at $356 in May 2025.

That is $2,391 a month against $2,078 rent: a $1,759 mortgage payment, plus $274 property tax and $359 insurance & upkeep.

Owning vs renting — zip 41051

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,750 $2,000 $2,250 2025 2026 Owning all in $2,391 Renting $2,078 Mortgage only $1,759
$1,750 $2,000 $2,250 2025 2026
  • Owning all in$2,391
  • Renting$2,078
  • Mortgage only$1,759

Property tax · $274/mo 0.98% of value a year — the ACS 2020-2024 median bill over the median home value for Kenton County, KY

Insurance & upkeep · $359/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Independence, KY — measured over the city limits, which is a different area from this zip.

Asking rent $2,078 as of Sep 2026
+5.3%year on year
Typical home value $335,061 as of Sep 2026
+2.9%year on year

Asking rent — 41051

Against the Cincinnati, OH-KY-IN metro and the national benchmark.

$1,500 $1,750 $2,000 2025 2026 41051 $2,078 Cincinnati $1,522 United States $1,932
$1,500 $1,750 $2,000 2025 2026
  • 41051$2,078
  • Cincinnati$1,522
  • United States$1,932

Typical home value — 41051

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 41051 $335,061 Cincinnati $305,940 United States $366,157
$200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 41051$335,061
  • Cincinnati$305,940
  • United States$366,157

Within 20 miles

Showing 30 of 66 zips in range — sorting picks from all 66.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
4.6 41015 Latonia 20,823 $1,308 $229,361
5.5 41094 Walton 14,486 $1,650 $353,467
6.0 41063 Morning View 2,863 — $305,362
6.5 41018 Erlanger 28,940 $1,324 $234,705
6.7 41042 Florence 57,634 $1,522 $276,819
6.7 41017 Ft Mitchell 40,719 $1,500 $338,279
7.7 41001 Alexandria 19,323 $1,842 $343,454
8.1 41076 Newport 17,158 $1,501 $262,612
9.4 41011 Covington 26,981 $1,588 $284,781
9.4 41014 Covington 7,392 $1,218 $173,805
10.3 41071 Newport 19,680 $1,531 $227,544
10.4 41030 Crittenden 6,162 — $302,169
10.4 41091 Union 25,244 — $467,275
10.7 41016 Covington 5,795 $1,275 $195,797
10.8 41085 Silver Grove 601 — $190,583
11.2 41075 Fort Thomas 17,240 $1,386 $376,055
11.4 45204 Cincinnati 8,412 $1,374 $123,443
11.5 41059 Melbourne 2,713 — $308,308
11.5 41092 Verona 3,135 — $312,227
11.9 45203 Cincinnati 2,436 $1,762 $352,499
12.0 41033 De Mossville 2,052 — $266,193
12.2 41073 Bellevue 5,636 $1,445 $242,203
12.4 45202 Cincinnati 17,869 $1,594 $375,806
12.4 45205 Cincinnati 18,651 $1,292 $135,163
12.7 45238 Cincinnati 48,351 $1,159 $218,679
12.8 45230 Cincinnati 27,501 $1,358 $307,230
12.9 41005 Burlington 25,718 $2,148 $330,670
13.0 41007 California 4,445 — $362,725
13.1 41074 Dayton 5,756 $1,936 $197,935
13.2 45214 Cincinnati 8,630 $1,241 $131,728

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.