Real Estate Investing in Totz, Kentucky

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

1 ZIP codes • Population: 635 • Harlan County

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

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

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

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

⚠️ Risks to Know
2 flags
  • High vacancy: 12.4% of homes vacant — above national norms.
  • Higher unemployment: 7.3% unemployment — tenant risk signal.

What’s happening in Totz, KY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.1% 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 $97,895
Avg Monthly Rent $783
ZIP Codes 1

Investing in Totz Real Estate

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

Across Totz's 1 ZIPs, fundamentals run modest: thin appreciation, soft rents, and demographic trends that don't obviously reverse in the medium term.

Rents in Totz at $783/mo have struggled to keep pace with cost increases, and vacancy has risen in pockets — a dynamic that compresses realized returns well below headline cap rates.

Demographics in Totz show real pressure — median income of $N/AK is subdued relative to rents, and the 0% renter share includes significant cost-burdened households.

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 Totz, KY. Anonymous, moderated, never written by AI.

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Avg Home Value
$97,895
Avg Monthly Rent
$783
1% Rule
✗ Below
Landlord Friendly (KY)

ZIP Codes in Totz, KY

Screen every ZIP in Totz

Filter Totz’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 Totz, KY

Are homes affordable in Totz, KY?

Expect median prices around $98K in Totz, KY. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.

How much rent can I charge in Totz, KY?

Average rent in Totz, KY is approximately $783/mo per month. Against $98K home values that yields a reasonable rent-to-price ratio.

How strong is the working-renter base in Totz, KY?

Tenant quality in Totz, KY ranks as solid. Landlords generally report measured occupancy at market rents of $783/mo.

What is the best play in Totz, KY?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Totz, KY. The numbers - $98K homes against $783/mo rents - support that play.

What is the rental occupancy rate in Totz, KY?

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

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