Real Estate Investing in Saint Charles, Kentucky

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

1 ZIP codes • Population: 494 • Hopkins County

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

🏠 For Homebuyers
GOOD FIT
Grade B (84/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • 1-year downturn: Values declined 13.1% in the last year.

What’s happening in Saint Charles, KY?

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3.0/ 5

Investability

Citywide average

2.0/ 5

Appreciation

2.2% 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 $112,884
Avg Monthly Rent $999
ZIP Codes 1

Investing in Saint Charles Real Estate

Saint Charles, KY covers 1 ZIP codes and a population but the investment metrics here are underwhelming — this is not a market to enter casually.

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

Market conditions in Saint Charles are sluggish. Days-on-market has stretched, rent growth has stalled, and the 0.0% 5-year CAGR understates how uneven the underlying ZIPs really are.

A an established population with $N/AK household income profile is what makes Saint Charles a challenging rental market — the tenant base is present, but the affordability math is tight.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Madisonville, KY

Saint Charles is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$112,884
Avg Monthly Rent
$999
1% Rule
✗ Below
Landlord Friendly (KY)

📉 Market Crash Risk Index

Based on Madisonville, KY metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
3/3
80%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Madisonville, KY metro
0
Days to pending
11.1%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Saint Charles, KY

Screen every ZIP in Saint Charles

Filter Saint Charles’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 Saint Charles, KY

Is housing expensive in Saint Charles, KY?

Typical homes in Saint Charles, KY go for around $113K. The 5-year CAGR of 0.0% predictable price movement.

What is the typical renter like in Saint Charles, KY?

The renter base in Saint Charles, KY is reasonable for the $999/mo price point. Screening well and pricing to market typically yields steady tenants.

How tight is the rental market in Saint Charles, KY?

Saint Charles, KY sees elevated vacancy, which is reasonable relative to the broader KY rental market.

How landlord-friendly is Saint Charles, KY?

KY law landlord-friendly for landlords, and Saint Charles inherits those rules. Investors should still review local ordinances for rental licensing.

Is Saint Charles, KY a smart market for rental property?

Saint Charles, KY comes in at an investability rating of 3.0/5, with median home values near $113K and average rents around $999/mo. That combination puts it in the durable tier for investor interest.

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