Real Estate Investing in Utica, Kentucky

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

1 ZIP codes • Population: 6,800 • Daviess County

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

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

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

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Utica, KY?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.3% 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 $251,256
Avg Monthly Rent $936
ZIP Codes 1

Investing in Utica Real Estate

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

Investors considering Utica, KY should understand what the ★★★☆☆ rating represents — a market with material structural headwinds, not a temporary rough patch.

decisively Utica's sale market has not rewarded patience. better suited elsewhere for listings sit longer, price cuts are common, and rent growth has been flat to negative in multiple ZIPs.

A an established population with $N/AK household income profile is what makes Utica 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 Owensboro, KY

Utica 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
$251,256
Avg Monthly Rent
$936
1% Rule
✗ Below
Landlord Friendly (KY)

📉 Market Crash Risk Index

Based on Owensboro, KY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
56%
Days Pending
1/2
53 days

View all metro crash risk rankings →

❄️ Cool Market — Owensboro, KY metro
53
Days to pending
12.0%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Utica, KY

Screen every ZIP in Utica

Filter Utica’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 Utica, KY

What is the typical vacancy rate in Utica, KY?

Occupancy in Utica, KY runs steady with elevated vacancy. Well-priced units at $936/mo lease on reasonable timelines.

Is Utica, KY landlord-friendly?

KY ranks as a landlord-friendly state for landlord-tenant law. Utica generally follows the statewide framework, so landlords face reasonable operating rules.

Is housing expensive in Utica, KY?

Utica, KY home values average about $251K. That price point suits investors targeting rentals with $936/mo in monthly income.

Is Utica, KY good for house hacking?

House hacking in Utica, KY is a challenging. With home values around $251K and rents at $936/mo, owner-occupants can offset a meaningful share of PITI.

What is the typical renter like in Utica, KY?

Utica, KY offers a predictable renter base at the $936/mo rent level. Tenant turnover is reasonable for well-managed properties.

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