Homes Under $375K

The under-$375K range is where most buyers in Northern Kentucky find their home. It's the heart of the market — broad enough to include a starter home in Florence, a three-bedroom ranch in Independence, or a turnkey townhome in Edgewood. This page shows every active listing under $375,000 across all five NKY counties, including single-family, condos, townhomes, and patio homes.

Homes at this price point tend to move quickly — especially those that are updated and in strong school districts. If you see something you like here, acting fast makes a difference.

Northern Kentucky consistently ranks among the most affordable metro areas in the Cincinnati region, and homes under $375,000 represent the largest share of the active market. Buyers in this range have options across nearly every city — from well-established neighborhoods in Covington and Newport to newer construction in Burlington and Hebron.

If you're a first-time buyer, this price range is especially worth watching. Many homes under $375K qualify for FHA and KHC down payment assistance programs, which can significantly reduce your upfront costs. Visit our first-time buyer guide to learn more about the programs available in Kentucky, or use our affordability calculator to see what fits your budget.