Median home value: $294K (+3.7% YoY). Rent: $1,352/mo. Price-to-rent: 18.1x. Part of Cincinnati, OH-KY-IN.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Cincinnati, OH-KY-IN metro page.
Home Value$293,744
+3.7%
Rent$1,352/mo
AFFORDABILITYRenting $434/mo cheaper ($1,352 rent)6.00% 30yr, 20% down, county tax + KY ins. 28% per HUD.
Enter your income for Cold Spring.
$58,749 on $293,744
Stretch — 28.6% of income
Above 28% but manageable with cuts.
PITI$1,786
P/I28.6%
Afford$288K
Gap-$6K
P&I $1,409Tax $211Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing