Median home value in zip code 41086 (Sparta, KY) is $236,474, up 5.1% year over year. Part of the Cincinnati, OH-KY-IN metropolitan area.

Home Value$236,474

YoY Change

+5.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 41086 (Sparta).

Income (annual)

Down Payment

$47,295 on $236,474

Example: $75,000 household income. Change it above to see your own.

Affordable26.9% of income

Under the 28% guideline.

PITI$1,682

P/I26.9%

Afford$246K

Room+$10K

P&I $1,196Tax $319Ins $167

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

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

Metro Analysis

41086 is part of the Cincinnati, OH-KY-IN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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