Real Estate Investing in Stone, Kentucky

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

2 ZIP codes • Population: 529 • Pike County

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

🏠 For Homebuyers
MIXED
Grade C (66/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
STRONG
4.0 / 5 (86/100)

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
4 flags
  • High vacancy: 31.9% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.1% CAGR).
  • 1-year downturn: Values declined 8.1% in the last year.
  • Elevated poverty: 21.4% poverty rate — can affect rent collection.

What’s happening in Stone, KY?

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4.0/ 5

Investability

Citywide average

1.0/ 5

Appreciation

0.1% 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 $33,648
Avg Monthly Rent $873
ZIP Codes 2

Investing in Stone Real Estate

Stone holds about a sizable population across 2 ZIPs, and its value-add reputation in Kentucky rests on a wide spread between distressed and stabilized comps.

Cap rates of 0.0% on stabilized product understate the returns available in Stone for investors willing to renovate. From a cash-flow lens, execution risk is real and should be underwritten accordingly.

Velocity in Stone is bifurcated. Meanwhile, clean, updated product moves fast at full price; tired product sits longer and trades at real discounts — the raw material for repositioning plays.

The demographic base in Stone is what makes the BRRRR math work — enough income at $N/AK to absorb upgraded rents, and enough renters at 0% to fill the units.

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

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Avg Home Value
$33,648
Avg Monthly Rent
$873
1% Rule
✓ Passes
Landlord Friendly (KY)

ZIP Codes in Stone, KY

Screen every ZIP in Stone

Filter Stone’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 Stone, KY

What monthly rent should investors expect in Stone, KY?

Stone, KY rentals go for roughly $873/mo a month. That puts gross yield in solid territory relative to $34K acquisition costs.

How close is Stone, KY to meeting the 1% rule?

The 1% rule in Stone, KY is reasonable to achieve. Rent-to-price at the median ($873/mo on $34K) lands around.

Is Stone, KY good for house hacking?

Stone, KY is a an attractive market for house hackers. FHA or conventional owner-occupant buyers find the $34K price point reasonable to enter.

How well does BRRRR work in Stone, KY?

Stone, KY is a strong for BRRRR. Acquiring below market, rehabbing, and leasing at $873/mo produces solid refinance appraisals against $34K values.

What approach is best for Stone, KY real estate?

Stone, KY investors pursuing value-add and BRRRR deals. The underlying economics ($34K prices, $873/mo rents) make it a reasonable choice.

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