The story of this market
The typical home in ZIP 41076 sells for about $203,800, or $155 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,203 a month.
ZIP 41076 — Cold Spring
The housing market in 41076 remains stable with steady demand and moderate inventory levels. Prices have seen modest year-over-year growth, reflecting the area's appeal as a value-oriented suburban community within the Cincinnati metro. Buyers are finding more options compared to previous years, leading to a more balanced market environment.
This ZIP is well-suited for families and professionals seeking a balance between suburban affordability and access to the Cincinnati employment core. It appeals to those who prioritize school district quality and a quieter residential environment over urban density.
Median prices moved up 2.1% year over year.
Homes spend a median of 42 days on market with 3.8 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.4% · poverty 12.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 41076, Campbell County KY
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the area are generally considered low compared to the broader Cincinnati metropolitan region. Local law enforcement reports stable trends with property crime being the primary concern for residents.
The area is served by the Campbell County School District, which maintains a generally positive reputation for academic performance and student support services. Schools like Cline Elementary are central to the community's educational infrastructure.
The region faces moderate risks related to seasonal severe weather, including heavy rainfall and occasional wind events. Flood insurance is recommended for properties located in low-lying areas near the Ohio River tributaries.
Economic momentum is driven by proximity to the Northern Kentucky and Cincinnati employment hubs, with ongoing development in suburban commercial corridors. Infrastructure improvements continue to focus on enhancing connectivity to the I-275 beltway.
Property taxes are assessed by Campbell County based on fair market value, with rates determined by local school district and municipal levies. There are no specific local income-linked property tax exemptions for residential owners.
Residents primarily rely on personal vehicles for commuting, with convenient access to I-275 and I-471 providing direct routes into downtown Cincinnati. Public transit options are limited, making the area most suitable for those working in the suburban business parks or the urban core via car.
The area features access to local parks and green spaces, with proximity to the Ohio River for water-based recreation. Shopping and dining amenities are concentrated along major arterial roads, providing essential services within a short drive.
The rental market is characterized by steady demand from young professionals and students attending nearby technical institutions. Vacancy rates remain low, and rent growth has tracked consistently with regional inflation.
The local economy is anchored by a mix of education, healthcare, and professional services, with significant employment spillover from the Cincinnati metro area. The presence of technical training centers supports a skilled workforce.
The area is served by a network of state and county roads, with primary access to the regional highway system via I-275. Public transportation is limited, necessitating vehicle ownership for most residents.
Development is focused on infill residential projects and the expansion of commercial services to support the growing population. Zoning remains primarily residential with pockets of commercial development.
Parcels are subject to Campbell County School District levies and local municipal taxes. No major MUD or PID districts are reported for this specific ZIP.
Property insurance premiums are stable, reflecting the area's moderate risk profile for natural hazards. Market health is considered robust with multiple national carriers active in the region.
Data retrieved from U.S. Census Bureau American Community Survey 5-Year Estimates.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Community park space serving local families.
Regional technical training facility.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.