Real Estate Investing in Worthville, Kentucky (41098)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 41098 (Worthville, KY)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 37.9% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (0.7% CAGR).
- Lower household income: $39,921 median — tenant affordability is tighter.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Worthville, KY (41098)?
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Market Analysis: 41098 Worthville
ZIP 41098 in Worthville, KY carries a robust set of headwinds. Home values near $121K and rents of $945/mo sit inside a market where underwriting has to be tight.
The 41098 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
In the broader KY picture, 41098 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
The demographic picture in 41098 includes headwinds that any investor should price in. Income distribution skews lower than Worthville averages, and tenant stability requires active management.
Distressed ZIPs reward experience. impressive returns are possible in 41098, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Worthville:
Market Trends
Home Value History (with trend line)
📊 How Does 41098 Compare?
| Metric | 41098 | Worthville | Kentucky |
|---|---|---|---|
| Home Value | $120,824 | $176,722 | $225,788 |
| 5-Year CAGR | 0.7% | 4.9% | 6.9% |
| Avg Rent | $945 | $909 | - |
| Cap Rate | 6.1% | 4.5% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 41098 (Worthville, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $120,824 |
| Monthly Rent | $945 |
| Price-to-Rent | 10.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.4% |
| Cap Rate | 6.1% |
| 5-Year IRR | 6.8% |
📈 Home Appreciation
| 1-Year | +14.4% ▲ |
| 3-Year CAGR | -1.1% ▼ |
| 5-Year CAGR | +0.7% ▲ |
| 10-Year CAGR | +5.3% ▲ |
🏠 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 (6.1%). 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 41098
Population: 1,138
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
Frequently Asked Questions
How much do tenants pay in Worthville, KY?
Average rent in Worthville, KY is approximately $945/mo per month. Against $121K home values that yields a reasonable rent-to-price ratio.
How strict are landlord regulations in Worthville, KY?
KY law landlord-friendly for landlords, and Worthville inherits those rules. Investors should still review local ordinances for rental licensing.
What is the investability score for Worthville, KY?
Worthville, KY rates 3.0/5 for investability. With median values at $121K and rents near $945/mo, the market offers reasonable fundamentals for rental investors.
What is the typical vacancy rate in Worthville, KY?
Vacancy risk in Worthville, KY is elevated. That supports measured cash flow for typical rental holds.
Does house hacking make sense in Worthville, KY?
The house hack math a challenging in Worthville, KY. Owner-occupant buyers benefit from the $945/mo rents and $121K home values.
You know 41098 now. You don’t know where it ranks.
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