Real Estate Investing in McDaniels, Kentucky (40152)

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

Breckinridge County • Population: 891 • Data updated: September 2026

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Should you buy in 40152 (McDaniels, KY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

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: 61.6% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in McDaniels, KY (40152)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $188,493
Avg Monthly Rent $783
1% Rule ✗ Does Not Meet
Median Income $78,750
% Renters 0.0%

Market Analysis: 40152 McDaniels

Investors eyeing 40152 need to respect the fundamentals at play. Home values of $188K come alongside slower price movement and elevated management overhead.

For an experienced owner, 40152 can be a a credible choice for hunting ground — but the discount at $188K reflects genuine risk that outside investors often underestimate.

ZIP 40152's metrics run below Breckinridge County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The 40152 ZIP's population of 891 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

The right play in 40152 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in McDaniels:

B Good
Buy Confidence Score: 77/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Rising (+7.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $783/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 40152

Which property type performs best in this market?

Best for Cash Flow
2BR
3.2% cap rate
Best for Appreciation
2BR
+8.7% 5yr CAGR
Best Overall Value
3BR
$90,384/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $195,337 $870 3.2% +8.7% $97,668
3BR $271,151 $1,200 3.2% +8.4% $90,384

Market Trends

Home Value History (with trend line)

$198K$171K$145K$119K$93K$67KJul 2006Jul 2016Jul 2026

📊 How Does 40152 Compare?

Metric 40152 McDaniels Kentucky
Home Value $188,493 $188,493 $225,788
5-Year CAGR 5.4% 5.4% 6.9%
Avg Rent $783 $783 -
Cap Rate 3.2% 3.2% -
💡 Why Invest in 40152? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 40152 (McDaniels, KY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+5.4%
Moderate

📊 Market Snapshot

Home Value $188,493
Monthly Rent $783
Price-to-Rent 20.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.0%
Cap Rate 3.2%
5-Year IRR 8.7%

📈 Home Appreciation

1-Year +7.2% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +5.4% ▲
10-Year CAGR +5.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
61.6%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 40152

Population: 891

💰 Median Household Income
$78,750
This area
$78,750
State
$55,541
USA
$74,580
🏠 Renter Occupied
0.0%
This area
0.0%
State
23.6%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-16.4%
USA
3.7%
🎓 College Educated
23.0%
This area
23.0%
State
-4.1%
USA
33.7%
👤 Median Age
56.6 years
This area
56.6 years
State
4.8 years
USA
38.9 years
🏚️ Vacancy Rate
61.6%
This area
61.6%
State
16.9%
USA
10.5%
👥 Population by Ethnicity
White 98.4%
Other/Mixed 1.6%
👶 Under 18
11.4%
This area
11.4%
USA
22.0%
👴 65 and Over
28.4%
This area
28.4%
USA
17.3%
📊 Poverty Rate
3.2%
This area
3.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 40152

B+ Avg School Grade
1 Schools
12.9:1 Avg Class Size
$16,030 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Ben Johnson Elementary School

📚 Pre-K – 05 Elementary
👥
225 Students
👨‍🏫
12.9:1 Class Size
💰
$16,030 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

Are rents high in McDaniels, KY?

Rents in McDaniels, KY run near $783/mo. Compared with median home prices of $188K that produces solid gross yields for typical rentals.

How qualified is the tenant pool in McDaniels, KY?

The tenant pool in McDaniels, KY is solid, supported by local employment and population fundamentals. Rents of $783/mo are well-absorbed by the market.

Are there empty rentals in McDaniels, KY?

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

Does house hacking work in McDaniels, KY?

House hacking in McDaniels, KY is reasonable to execute. Prices around $188K and rents of $783/mo solid owner-occupant economics.

What strategy should investors use in McDaniels, KY?

A careful cash-flow rentals with hands-on management strategy McDaniels, KY best. The market produces measured results for that approach at the $188K price point.

You know 40152 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 40152 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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