Real Estate Investing in Patriot, Indiana (41095)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 41095 (Patriot, IN)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 16.8% of homes vacant — above national norms.
- 1-year downturn: Values declined 6.7% in the last year.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Patriot, IN (41095)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 41095 Patriot
Not every below-median market is a bargain. Patriot's 41095 ZIP stands at signals that favor experienced operators who can absorb the risk $194K pricing implies.
Rent of $918/mo on a $194K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 41095 sits below the stated 0.0% once reality is priced in.
Turning to rents, 41095 offers a low basis, the region around Patriot has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Employment concentration in 41095 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Experienced landlords with local relationships tend to find 41095 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Patriot:
Property Strategy for 41095
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $174,992 | $1,020 | 4.2% | +6.8% | $87,496 |
| 3BR | $231,594 | $1,350 | 4.2% | +7.4% | $77,198 |
Market Trends
Home Value History (with trend line)
📊 How Does 41095 Compare?
| Metric | 41095 | Patriot | Cincinnati, OH-KY-IN | Indiana |
|---|---|---|---|---|
| Home Value | $194,477 | $215,168 | N/A | $248,442 |
| 5-Year CAGR | 3.4% | 5.9% | N/A | 7.7% |
| Avg Rent | $918 | $900 | N/A | - |
| Cap Rate | 3.7% | 3.3% | - | - |
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 41095 (Patriot, IN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $194,477 |
| Monthly Rent | $918 |
| Price-to-Rent | 17.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.7% |
| Cap Rate | 3.7% |
| 5-Year IRR | 7.1% |
📈 Home Appreciation
| 1-Year | -6.7% ▼ |
| 3-Year CAGR | -0.8% ▼ |
| 5-Year CAGR | +3.4% ▲ |
| 10-Year CAGR | +5.9% ▲ |
🏠 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 (3.7%). 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 41095
Population: 3,775
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 41095
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.
Frequently Asked Questions
Is the tenant base reliable in Patriot, IN?
Tenant quality in Patriot, IN ranks as solid. Landlords generally report reliable occupancy at market rents of $918/mo.
How viable is house hacking in Patriot, IN?
Patriot, IN offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $918/mo rent level.
What is the typical vacancy rate in Patriot, IN?
Rental vacancy in Patriot, IN is elevated. Investors should budget normal turnover but not chronic empty units.
Is IN a landlord-friendly state?
IN ranks as a landlord-friendly state for landlord-tenant law. Patriot generally follows the statewide framework, so landlords face reasonable operating rules.
How much does a house cost in Patriot, IN?
The median home value in Patriot, IN is roughly $194K. That puts it reasonable relative to the IN statewide average.
You know 41095 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 41095 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.
How 41095 ranks in Cincinnati, OH-KY-IN
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