Best PlacesFort Thomas, KY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Fort Thomas, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
Fort Thomas ranks 6,759th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on transit by a wide margin, and noise is the weak spot.
The best neighborhoods in Fort Thomas
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.
Fort Thomas' strengths and weaknesses
Where Fort Thomas ranks high
- TransitBetter than 97% of towns
- BikingBetter than 96% of towns
- Educational attainmentBetter than 96% of towns
- Healthcare accessBetter than 93% of towns
- Low vacancyBetter than 92% of towns
Where Fort Thomas ranks low
- QuietBetter than only 4% of towns
- Nice weatherabout 64 pleasant days a year, better than only 14% of towns
- Cheap car insuranceBetter than only 15% of towns
- Low property taxBetter than only 19% of towns
- Air qualityBetter than only 27% of towns
What it costs to buy a home in Fort Thomas
A household needs to earn about $86,000 a year to comfortably buy the median Fort Thomas home, at 20% down and today's 30-year rate. That is below the area's own median income of $101,085, 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 Fort Thomas' effective rate of 1.21%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in Fort Thomas
Fort Thomas's age mix sits close to the national median.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Fort Thomas.
Who works in Fort Thomas, and how
Work in Fort Thomas centers on health care & social and professional & technical. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 79%
- Work from home 17%
- Transit, walk, or bike 3%
Life in Fort Thomas
Fort Thomas has more restaurants and bars per resident than 96% of towns and more parkland per resident than 96% of towns. Dining, parks, and nightlife concentrates in some parts of Fort Thomas and thins out in others, which the map shows.
What the weather is like in Fort Thomas, month by month
Fort Thomas sees roughly 64 pleasant days a year. July highs average about 89 degrees. January highs sit near 44, with lows near 23. The comfortable stretch runs May, June, and August through October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 44° | 33° | 23° |
| April | 69° | 54° | 41° |
| July | 89° | 76° | 65° |
| October | 72° | 57° | 45° |
Flying in and out of Fort Thomas
Cincinnati/Northern Kentucky International sits about 12 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 Fort Thomas
Schools across Fort Thomas average a B+, better than 78% of towns.
Top elementary schools
- Woodfill Elementary SchoolA · 72% proficient
- Johnson Elementary SchoolA · 63% proficient
- Moyer Elementary SchoolA− · 57% proficient
Top middle schools
- Highlands Middle SchoolA− · 54% proficient
- Campbell County Middle SchoolC+ · 36% proficient
Top high schools
- Highlands High SchoolB+ · 55% proficient
- Campbell County High SchoolC+ · 38% proficient
- Dayton High SchoolC− · 27% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Fort Thomas school and its grade on SchoolGrade.
Fort Thomas 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 Fort Thomas against the other 50,332 towns.
Common questions about living in Fort Thomas
Is Fort Thomas a good place to live?
Using BestNeighborhood's default rankings, Fort Thomas ranks 6,759th of 50,333 towns. It scores highest on transit, biking, and an educated workforce, and lowest on noise and the weather. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Fort Thomas expensive to live in?
The median home is worth $310,862. The overall cost of living runs about 5% below the national average. Set against a $101,085 median income, cost of living beats 86% of towns.
Is Fort Thomas safe?
Fort Thomas is safer than 29% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $347 per resident a year.
Compare Fort Thomas with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Fort Thomas. Scores are absolute rather than ranked, which means a 60 in Fort Thomas 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.
Fort Thomas detail on BestNeighborhood maps:
- Walk Grade for Fort Thomas: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Fort Thomas: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Fort Thomas: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Fort Thomas: carrier by carrier coverage behind the cell score.
Fort Thomas 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.