Real Estate Investing in Harold, Kentucky (41635)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 41635 (Harold, KY)? Our answer, based on the numbers below.
Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 13.7% of homes vacant — above national norms.
- Declining values: -4.2% 5-year CAGR — values have moved lower.
- 1-year downturn: Values declined 8.4% in the last year.
- Elevated poverty: 23.6% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Harold, KY (41635)?
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Market Analysis: 41635 Harold
The 41635 ZIP in Harold, KY is a local-operator market. Outside capital chasing a $96K entry has to pair deep knowledge with the discount.
Distressed markets are won on execution, not on spreadsheets. ZIP 41635 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
In the broader KY picture, 41635 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 41635 includes headwinds that any investor should price in. Income distribution skews lower than Harold averages, and tenant stability requires active management.
Strategy in 41635 is an operator game, not a passive one. Looking more closely, entry prices of $96K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Harold:
Property Strategy for 41635
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $77,386 | $1,050 | 9.8% | +0.8% | $38,693 |
| 3BR | $111,287 | $1,290 | 8.3% | +2.5% | $37,096 |
Market Trends
Home Value History (with trend line)
📊 How Does 41635 Compare?
| Metric | 41635 | Harold | Kentucky |
|---|---|---|---|
| Home Value | $96,394 | $81,406 | $225,788 |
| 5-Year CAGR | N/A | N/A | 6.9% |
| Avg Rent | $945 | $855 | - |
| Cap Rate | 7.7% | 8.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 41635 (Harold, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $96,394 |
| Monthly Rent | $945 |
| Price-to-Rent | 8.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 11.8% |
| Cap Rate | 7.7% |
| 5-Year IRR | 3.4% |
📈 Home Appreciation
| 1-Year | -8.4% ▼ |
| 3-Year CAGR | -7.2% ▼ |
| 5-Year CAGR | -4.2% ▼ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (7.7%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 41635
Population: 3,314
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 41635
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
John M. Stumbo Elementary School
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
Frequently Asked Questions
What is the average home sale price in Harold, KY?
Median home price in Harold, KY is near $96K, with a 5-year CAGR of 0.0%. Prices have been reliable and supportive of buy-and-hold strategies.
How strong is the working-renter base in Harold, KY?
Working renters make up the core of the Harold, KY tenant base. The pool is reasonable for investors targeting long-term holds.
How does Harold, KY stack up for property investment?
Harold, KY rates 3.0/5 for investability. With median values at $96K and rents near $945/mo, the market offers reasonable fundamentals for rental investors.
What kind of vacancy should I budget for in Harold, KY?
Harold, KY carries elevated vacancy risk. Expect even-keeled absorption at market rents of $945/mo.
Does Harold, KY favor landlords or tenants?
KY law landlord-friendly for landlords, and Harold inherits those rules. Investors should still review local ordinances for rental licensing.
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