ZIP 41018 · Elsmere, KY · 28,707 residents · September 2026
Elsmere 41018: neither side has the edge.
Fair conditions for both sides. Typical home value $235K, −1.9% over 12 months; listings take 40 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
In Mar 2026: −12
Higher than 83% of scored ZIPs · #2,107 of 13,130 ZIPs with 5,000+ residents
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026−12
- Apr 2026+2
- May 2026+1
- Jun 2026−7
- Jul 2026−11
- Aug 2026—no reading on record
- Sep 2026+2
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 40 days on marketfaster than the U.S. median ZIP's 60 days
- 19% of listings cut pricefewer than the U.S. median ZIP's 20%
- Sale-to-list 100.4%homes close at or above asking · Redfin, May 2026
- 34 active listings+17% vs a year ago
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin, May 2026.
Firming: prices −1.9% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown.
Last 90 days
How the typical value and the listings moved over the last three months.
Prices
Typical home value since 2000, and how far it moved over each window.
Zillow ZHVI peaked at $249,942 in February 2025; the latest value is −6.1% from that peak, 18 months on. Since January 2019 it is +65.2%. The sharpest 12-month move was −5.7%, ending August 2026.
Zillow's typical home value here, $235K in August 2026, is 19% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved −1.9% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Starter homes here rose 39% in five years while top-tier homes rose 20% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
3-bedroom homes here run 25% above 2-bedrooms (Zillow ZHVI by bedroom); the KY median premium is 43%.
Condos here are priced 27% below single-family homes (Zillow ZHVI by home type); over five years single-family rose 18% while condos rose 18%.
Zillow typical values by price tier, home type and bedrooms, August 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Kentucky rank |
|---|---|---|---|---|
| 1 year | −1.9% | −1.8%/yr | Higher than 12% nationally | Higher than 34% in Kentucky |
| 3 years | +4.2% | +1.4%/yr | Higher than 36% nationally | Higher than 23% in Kentucky |
| 5 years | +22.6% | +4.2%/yr | Higher than 48% nationally | Higher than 37% in Kentucky |
| 10 years | +85.9% | +6.4%/yr | Higher than 58% nationally | Higher than 53% in Kentucky |
| Since 2000 | +127.1% | +3.1%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Forecast
Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.
Last three years, then the forecast band
HavenScore Forecast Model (v1) · run October 1, 2026A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →
Of the 3-month ranges we published since December 2025, 54% contained the actual price.
Zillow's own published forecast has this ZIP's typical value rise 2.1% over the twelve months from August 2026 (Zillow Home Value Forecast).
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$1,78130% of the median household income here ($70,267)Between the 28% and 36% lines lenders use. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $1,209 a year (Treasury Federal Insurance Office).
Buying costs $476 a month more than renting here before tax effects and maintenance; the gap is 36% of rent. Rents moved +3.9% over the year.
Under these assumptions the cumulative cost of owning and renting cross in year 19.
Like for like: the HUD fair market rent for a 3-bedroom here is $1,770 a month (FY 2026), against a typical 3-bedroom value of $242K (Zillow, August 2026) — a 8.8% gross rent yield.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 3.3× the median household income here, against 3.6× in the median KY ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $70,267 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 8 scored ZIPs in Kenton County.
Everyday prices
Everyday prices in the Cincinnati metro run 5% below the U.S. average (BEA Regional Price Parities, 2024).
Rents in the index run 12% below the U.S. average.
$75,000 at U.S.-average prices buys what $71,550 buys here.
Metro-level index, U.S. = 100 · 2024 · the Cincinnati metro, not this ZIP alone.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
77Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
17 scored Kentucky ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Kentucky ZIP centers colored by market balance; the ring is 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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