Best ZIP Codes for Cash Flow in Lexington-Fayette, KY (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 40348 | Millersburg, KY | $140,185 | $945 | 5.26% | 4.0% |
| 2 | 40511 | Lexington, KY | $316,192 | $1,923 | 4.74% | 6.6% |
| 3 | 40508 | Lexington, KY | $226,055 | $1,279 | 4.41% | 7.8% |
| 4 | 40505 | Lexington, KY | $232,561 | $1,307 | 4.39% | 7.3% |
| 5 | 40514 | Lexington, KY | $375,853 | $2,055 | 4.26% | 6.6% |
| 6 | 40516 | Lexington, KY | $345,284 | $1,875 | 4.24% | 4.9% |
| 7 | 40517 | Lexington, KY | $258,082 | $1,377 | 4.16% | 7.2% |
| 8 | 40504 | Lexington, KY | $274,331 | $1,439 | 4.09% | 7.5% |
| 9 | 40383 | Versailles, KY | $361,734 | $1,783 | 3.84% | 5.4% |
| 10 | 40391 | Winchester, KY | $255,821 | $1,226 | 3.74% | 6.1% |
| 11 | 40356 | Nicholasville, KY | $327,631 | $1,546 | 3.68% | 7.1% |
| 12 | 40311 | Carlisle, KY | $205,089 | $945 | 3.59% | 7.8% |
| 13 | 40324 | Georgetown, KY | $342,209 | $1,577 | 3.59% | 6.5% |
| 14 | 40390 | Wilmore, KY | $319,875 | $1,450 | 3.54% | 7.2% |
| 15 | 40513 | Lexington, KY | $576,970 | $2,577 | 3.48% | 6.3% |
| 16 | 40503 | Lexington, KY | $349,369 | $1,525 | 3.40% | 6.0% |
| 17 | 40515 | Lexington, KY | $385,245 | $1,555 | 3.15% | 6.4% |
| 18 | 40361 | Paris, KY | $260,316 | $1,023 | 3.07% | 6.0% |
| 19 | 40509 | Lexington, KY | $404,934 | $1,592 | 3.07% | 6.0% |
| 20 | 40507 | Lexington, KY | $402,477 | $1,543 | 2.99% | 6.5% |
| 21 | 40370 | Sadieville, KY | $342,914 | $1,242 | 2.83% | 5.4% |
| 22 | 40379 | Stamping Ground, KY | $356,544 | $1,071 | 2.34% | 4.7% |
| 23 | 40347 | Midway, KY | $376,282 | $1,035 | 2.15% | 6.4% |
| 24 | 40502 | Lexington, KY | $572,335 | $1,442 | 1.97% | 7.7% |
| 25 | 40510 | Lexington, KY | $765,066 | $1,287 | 1.31% | 9.5% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Lexington-Fayette, KY · Affordable in Lexington-Fayette, KY
Or see the full Lexington-Fayette, KY metro profile.