Real Estate Investing in Stambaugh, Kentucky (41257)
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Should you buy in 41257 (Stambaugh, KY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 17.6% of homes vacant — above national norms.
- 1-year downturn: Values declined 6.7% in the last year.
- Higher unemployment: 8.5% unemployment — tenant risk signal.
• 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 Stambaugh, KY (41257)?
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Market Analysis: 41257 Stambaugh
ZIP 41257 in Stambaugh, KY carries a significant set of headwinds. Home values near $142K and rents of $828/mo sit inside a market where underwriting has to be tight.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 41257 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Regionally, 41257 sits on the difficult end of the KY spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Demographically, 41257 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Strategically, 41257 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Stambaugh:
Market Trends
Home Value History (with trend line)
📊 How Does 41257 Compare?
| Metric | 41257 | Stambaugh | Kentucky |
|---|---|---|---|
| Home Value | $141,750 | $141,750 | $225,788 |
| 5-Year CAGR | 3.3% | 3.3% | 6.9% |
| Avg Rent | $828 | $828 | - |
| Cap Rate | 4.6% | 4.6% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 41257 (Stambaugh, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $141,750 |
| Monthly Rent | $828 |
| Price-to-Rent | 14.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.0% |
| Cap Rate | 4.6% |
| 5-Year IRR | 7.8% |
📈 Home Appreciation
| 1-Year | -6.7% ▼ |
| 3-Year CAGR | +1.6% ▲ |
| 5-Year CAGR | +3.3% ▲ |
| 10-Year CAGR | +3.0% ▲ |
🏠 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 (4.6%). 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 41257
Population: 740
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the investability score for Stambaugh, KY?
The 3.0/5 investability rating in Stambaugh, KY reflects its $142K prices and $828/mo rents. Investors generally consider it a solid option within KY.
How much do tenants pay in Stambaugh, KY?
Investors in Stambaugh, KY typically see rents near $828/mo per month against $142K home values - a solid setup for rental cash flow.
What type of investing works in Stambaugh, KY?
In Stambaugh, KY the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $142K prices and $828/mo rents suits that approach.
How expensive is real estate in Stambaugh, KY?
In Stambaugh, KY the median home value sits at $142K. Against the broader KY market, that reads as reasonable for most investors.
Is the tenant base reliable in Stambaugh, KY?
Stambaugh, KY offers a even-keeled renter base at the $828/mo rent level. Tenant turnover is reasonable for well-managed properties.
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