The median home in Elsmere, Kentucky is valued at $223,802, down 2.6% year over year. Elsmere is part of the Cincinnati, OH-KY-IN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Cincinnati, OH-KY-IN stress score, crash risk, and 12-month forecast →

Home Value$223,802

-2.6%

AFFORDABILITY

Enter your income for Elsmere.

Income (annual)

Down Payment

$44,760 on $223,802

Affordable — 23.3% of income

Under the 28% guideline.

PITI$1,459

P/I23.3%

Afford$268K

Room+$45K

P&I $1,132Tax $160Ins $167

6.50% 30yr, 20% down, county tax + KY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Kentucky

Compare Elsmere with other housing markets across Kentucky.

Prospect$595K Finchville$481K Goshen$474K Crestwood$467K River Bluff$446K Wilsonville$445K Union$444K Buckner$429K

Full Cincinnati, OH-KY-IN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Cincinnati, OH-KY-IN metro.

View Cincinnati, OH-KY-IN metro →

ELSMERE, KY