Real Estate Investing in Harold, Kentucky (41660)

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

Floyd County • Population: 242 • Data updated: September 2026

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Should you buy in 41660 (Harold, KY)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (33/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
STRONG
4.0 / 5 (86/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 38.0% of homes vacant — above national norms.
  • 1-year downturn: Values declined 13.3% in the last year.

• 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 Harold, KY (41660)?

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4.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $70,658
Avg Monthly Rent $810
1% Rule ✓ Meets
Median Income N/A
% Renters 0.0%

Market Analysis: 41660 Harold

The 41660 ZIP in Harold is not a pristine, turnkey story — it is a value-add map. Stock is older, prices near $71K are approachable, and upside sits in the rehab line.

Flippers and value-add operators have treated 41660 as a working ZIP for a reason. Entry prices around $71K and a deep rental base of 0% renters underpin the exit strategy on both the sale and rent sides.

Comparing Harold submarkets, ZIP 41660 offers an entry cost that most surrounding neighborhoods have moved past. The resilient delta is the opportunity.

The resident base in 41660 runs younger and more tenure-renter than county averages. 0% of 242 households lease, which is the demand source for post-rehab rent lifts.

The resilient opportunity in 41660 is buying the worst house on the block, fixing it, and renting it at the top of the local band. That is the strategy, repeated.

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 Harold:

Affordability
Affordable
Homes cost × the median income
Value Trend
Declining (-13.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $810/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$103K$95K$88K$81K$73K$66KFeb 2023Nov 2024Jul 2026

📊 How Does 41660 Compare?

Metric 41660 Harold Kentucky
Home Value $70,658 $81,406 $225,788
5-Year CAGR N/A N/A 6.9%
Avg Rent $810 $855 -
Cap Rate 8.9% 8.3% -
💡 Why Invest in 41660? Click to expand

This ZIP code meets the 1% rule with rent at $810/mo on homes averaging $70,658 — a strong indicator of cash flow potential.

Our analysis gives this area a 4/5 investability rating, placing it in the top tier for rental property potential.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 41660 (Harold, KY). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
8.9%
Excellent

📊 Market Snapshot

Home Value $70,658
Monthly Rent $810
Price-to-Rent 7.3:1
1% Rule ✓ Passes

💰 Return Metrics

Gross Yield 13.8%
Cap Rate 8.9%
5-Year IRR N/A

📈 Home Appreciation

1-Year -13.3% ▼
3-Year CAGR -10.4% ▼
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Positive Leverage Market Cap Rate: 8.9%  |  30yr Rate: 6.8%
Leverage may enhance returns here.

The estimated cap rate (8.9%) exceeds the current 30-yr mortgage rate (6.8%). When borrowing costs less than a property yields, leverage can increase your cash-on-cash return above the cap rate.

⚠️ Risk Signals

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

Vacancy
38.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 41660

Population: 242

💰 Median Household Income
N/A
🏠 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
8.9%
This area
8.9%
State
-4.1%
USA
33.7%
👤 Median Age
26.3 years
This area
26.3 years
State
4.8 years
USA
38.9 years
🏚️ Vacancy Rate
38.0%
This area
38.0%
State
16.9%
USA
10.5%
👥 Population by Ethnicity
White 97.8%
Other/Mixed 2.2%
👶 Under 18
31.2%
This area
31.2%
USA
22.0%
👴 65 and Over
14.6%
This area
14.6%
USA
17.3%
📊 Poverty Rate
12.5%
This area
12.5%
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

🎓 Nearby Colleges & Universities

4 Nearby
D
Galen Health Institutes-Pikeville
122 students · 7.2 mi
D
American National University-Pikeville
329 students · 7.3 mi
C
University of Pikeville
2,610 students · 7.9 mi
C
Alice Lloyd College
553 students · 14.1 mi

Frequently Asked Questions

What is the smart move for investors in Harold, KY?

Investors usually favor value-add and BRRRR deals in Harold, KY. With home values at $71K and rents near $810/mo, other strategies can work but produce even-keeled rather than outsized returns.

How expensive is real estate in Harold, KY?

In Harold, KY the median home value sits at $71K. Against the broader KY market, that reads as reasonable for most investors.

Does house hacking make sense in Harold, KY?

The an attractive house-hack environment in Harold, KY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Are there BRRRR deals in Harold, KY?

Investors running BRRRR in Harold, KY see a strong outcomes. Deal flow and rehab execution matter more than the macro here.

What are rental rates like in Harold, KY?

Harold, KY rentals go for roughly $810/mo a month. That puts gross yield in solid territory relative to $71K acquisition costs.

You know 41660 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 41660 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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