Real Estate Investing in Union, Kentucky (41091)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 41091 (Union, KY)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Union, KY (41091)?
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Market Analysis: 41091 Union
The 41091 ZIP in Union, KY is a local-operator market. Outside capital chasing a $462K entry has to pair deep knowledge with the discount.
The investment case in 41091 is durable only for operators who understand what they are buying. A $462K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
In the broader KY picture, 41091 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
Employment concentration in 41091 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Strategy in 41091 is an operator game, not a passive one. Put differently, entry prices of $462K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Union:
Property Strategy for 41091
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $345,925 | $2,030 | 4.2% | +6.0% | $172,962 |
| 3BR | $374,035 | $2,680 | 5.2% | +6.0% | $124,678 |
| 4BR | $497,585 | $2,960 | 4.3% | +6.2% | $124,396 |
| 5BR | $637,815 | — | — | +6.3% | $127,563 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 41091 Compare?
| Metric | 41091 | Union | Cincinnati, OH-KY-IN | Kentucky |
|---|---|---|---|---|
| Home Value | $461,707 | $461,707 | N/A | $225,788 |
| 5-Year CAGR | 3.9% | 3.9% | N/A | 6.9% |
| Avg Rent | $2,450 | $2,450 | N/A | - |
| Cap Rate | 4.1% | 4.1% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 41091 (Union, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $461,707 |
| Monthly Rent | $2,450 |
| Price-to-Rent | 15.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.4% |
| Cap Rate | 4.1% |
| 5-Year IRR | 8.1% |
📈 Home Appreciation
| 1-Year | +4.4% ▲ |
| 3-Year CAGR | +2.5% ▲ |
| 5-Year CAGR | +3.9% ▲ |
| 10-Year CAGR | +5.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). 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.
Demographics in 41091
Population: 24,371
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 41091
Schools in This ZIP Code
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.
🎓 Nearby Colleges & Universities
Investor Insight: With 3,350 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strong are rents in Union, KY?
Rents in Union, KY run near $2,450/mo. Compared with median home prices of $462K that produces solid gross yields for typical rentals.
What kind of tenants rent in Union, KY?
Expect a solid tenant pool in Union, KY. The rental market absorbs $2,450/mo rents without meaningful friction.
How tight is the rental market in Union, KY?
Occupancy in Union, KY runs predictable with elevated vacancy. Well-priced units at $2,450/mo lease on reasonable timelines.
Is KY a landlord-friendly state?
For rental operators, Union, KY rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
Are homes affordable in Union, KY?
Homes in Union, KY typically sell near $462K. Prices have moved at a 0.0% 5-year CAGR, which stable long-term demand.
You know 41091 now. You don’t know where it ranks.
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How 41091 ranks in Cincinnati, OH-KY-IN
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