Best Places41097, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 41097, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
41097 ranks 25,359th of 33,110 U.S. zip codes on the BestNeighborhood index. The weather pulls hardest against it, while it scores best on tree cover.
The best neighborhoods in 41097
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
41097's strengths and weaknesses
Where 41097 ranks high
- Tree shadeBetter than 74% of zip codes
- Low income/sales/gas taxBetter than 67% of zip codes
- Low property taxBetter than 64% of zip codes
- State fiscal healthBetter than 61% of zip codes
- Internet speedBetter than 60% of zip codes
Where 41097 ranks low
- Nice weatherabout 52 pleasant days a year, better than only 1% of zip codes
- BikingBetter than only 15% of zip codes
- Cheap car insuranceBetter than only 17% of zip codes
- Housing crash safetyBetter than only 20% of zip codes
- School gradeC−, better than only 21% of zip codes
What it costs to buy a home in 41097
A household needs to earn about $54,000 a year to comfortably buy the median 41097 home, at 20% down and today's 30-year rate. That is below the area's own median income of $80,129, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 41097's effective rate of 0.67%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 8 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 41097
41097 runs younger than the country, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 41097.
Who works in 41097, and how
Work in 41097 centers on retail trade and manufacturing. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 88%
- Work from home 11%
- Transit, walk, or bike 2%
Life in 41097
41097 has more parkland per resident than 88% of zip codes. That concentrates in some parts of 41097 and thins out in others, which the map shows.
What the weather is like in 41097, month by month
41097 sees roughly 52 pleasant days a year. July highs average about 88 degrees. January highs sit near 43, with lows near 23. The comfortable stretch runs April through June and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 43° | 32° | 23° |
| April | 68° | 55° | 43° |
| July | 88° | 77° | 67° |
| October | 71° | 59° | 47° |
Flying in and out of 41097
Cincinnati/Northern Kentucky International sits about 29 miles away. It is a medium hub and boarded 4.4 million passengers in 2025, with 99 nonstop destinations.
The best schools in and around 41097
Schools across 41097 average a C−, better than 21% of zip codes.
Top elementary schools
- Northern Elementary SchoolC+ · 37% proficient
- Williamstown ElementaryC · 33% proficient
- Dry Ridge ElementaryC · 32% proficient
Top middle schools
- Williamstown Jr. HighC− · 28% proficient
- Grant County Middle SchoolD+ · 26% proficient
- Phillip Sharp Middle SchoolD · 21% proficient
Top high schools
- Williamstown Sr. HighC · 33% proficient
- Grant County High SchoolC− · 28% proficient
- Pendleton County High SchoolD+ · 25% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 41097 school and its grade on SchoolGrade.
41097 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 41097 against the other 33,109 zip codes.
Common questions about living in 41097
Is 41097 a good place to live?
Using BestNeighborhood's default rankings, 41097 ranks 25,359th of 33,110 zip codes. It scores highest on tree cover, low taxes, and low property taxes, and lowest on the weather and biking. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 41097 expensive to live in?
The median home is worth $210,182. The overall cost of living runs about 10% below the national average. Set against a $80,129 median income, cost of living beats 54% of zip codes.
Is 41097 safe?
Yes, 41097 is safer than 55% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $270 per resident a year.
Compare 41097 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 41097. Scores are absolute rather than ranked, which means a 60 in 41097 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
41097 detail on BestNeighborhood maps:
- Walk Grade for 41097: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 41097: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 41097: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 41097: carrier by carrier coverage behind the cell score.
41097 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.