Cincinnati, OH-KY-IN · Kentucky
Gallatin County
ZIP 41086
8,749 residents51 permits TTM$62,247 median HHI2 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$169,400
ACS 5-Year
Cap rate proxy
9.6%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.5%
HUD FMR ÷ ACS HHI
Net migration
+1.92%
IRS SOI
Permits (TTM)
51
Census BPS
Climate risk
17.3
FEMA NRI (0–100)
ZIP 41086
Median home value
$236,474
Gross yield
5.4%
Cap rate
4.4%
Rent gap
19.8%
Affordability
P/I: 3.8R/I: —
Section 8 detail
SAFMR: $1,070Rent: $858Gap: 24.7%
ZIP code breakdown2 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 41095 | $200,433 | $1,020 | 6.1% | 5.1% | 15.9% |
| 41086 | $236,474 | $1,070 | 5.4% | 4.4% | 19.8% |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
73.4%
Census ACS
Vacancy rate
13.6%
Census ACS
Bachelor's degree +
13.2%
Census ACS
Rent burdened
41.1%
Census ACS (>30% income)
Median age
39.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026