Real Estate Investing in Monticello, Kentucky

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 18,609 • Wayne County

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Should you buy in Monticello, KY? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 20.0% of homes vacant — above national norms.

What’s happening in Monticello, KY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

7.0% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $165,489
Avg Monthly Rent $783
ZIP Codes 1

Investing in Monticello Real Estate

This is a distressed-leaning corner of Kentucky: Monticello has 1 ZIPs and a sizable population, and the investment math only works for investors who truly understand the market.

clearly Monticello's aggregate rating of ★★★☆☆ reflects modest investor metrics across the board — weak rent growth, weak appreciation, and rising-vacancy pressure in multiple ZIPs.

unambiguously Monticello's sale market has not rewarded patience. a challenging fit for listings sit longer, price cuts are common, and rent growth has been flat to negative in multiple ZIPs.

Monticello's population trends and income levels suggest a market where affordability is strained, which constrains how aggressively rents can rise without hurting collections.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in Monticello, KY. Anonymous, moderated, never written by AI.

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Avg Home Value
$165,489
Avg Monthly Rent
$783
1% Rule
✗ Below
Landlord Friendly (KY)

ZIP Codes in Monticello, KY

Screen every ZIP in Monticello

Filter Monticello’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Monticello, KY

Is vacancy a concern in Monticello, KY?

Expect elevated vacancy in Monticello, KY. Rents at $783/mo are absorbed by the tenant base without meaningful lag.

How much does a house cost in Monticello, KY?

In Monticello, KY the median home value sits at $165K. Against the broader KY market, that reads as reasonable for most investors.

Is Monticello in KY worth investing in?

Investors tracking Monticello, KY will find a 3.0/5 rating supported by $165K median home values and $783/mo rents. That profile suits long-term holders targeting steady returns.

Does Monticello, KY favor landlords or tenants?

Monticello, KY operates under KY law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.

How strong are rents in Monticello, KY?

Investors in Monticello, KY typically see rents near $783/mo per month against $165K home values - a solid setup for rental cash flow.

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