Real Estate Investing in Topmost, Kentucky (41828)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 41828 (Topmost, 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: 26.2% of homes vacant — above national norms.
- Flat appreciation: Values have barely moved over 5 years (0.4% CAGR).
- 1-year downturn: Values declined 12.4% in the last year.
- Elevated poverty: 25.7% poverty rate — can affect rent collection.
• 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 Topmost, KY (41828)?
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Market Analysis: 41828 Topmost
The 41828 ZIP in Topmost is not a pristine, turnkey story — it is a value-add map. Stock is older, prices near $73K are approachable, and upside sits in the rehab line.
Investors in 41828 do not buy the market average — they buy the unit they can improve. $73K median pricing and $783/mo comps define the envelope within which the work has to pay.
Across Topmost, pockets like 41828 represent the last affordable rungs of a rising ladder. The state-level data shows those rungs thinning.
A renter-heavy, wage-earner demographic anchors 41828. Value-add players rely on that mix — the 17% share is both the tenant source and the buyer pool for future owner-occupied exits.
Strategic fit here is operational. Pro forma discipline, capex reserves, and lender relationships matter more than the marketing pitch.
Here's what matters if you're considering buying a home in Topmost:
Market Trends
Home Value History (with trend line)
📊 How Does 41828 Compare?
| Metric | 41828 | Topmost | Kentucky |
|---|---|---|---|
| Home Value | $73,002 | $74,574 | $225,788 |
| 5-Year CAGR | 0.4% | 0.6% | 6.9% |
| Avg Rent | $783 | $783 | - |
| Cap Rate | 8.4% | 8.2% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 41828 (Topmost, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $73,002 |
| Monthly Rent | $783 |
| Price-to-Rent | 7.8:1 |
| 1% Rule | ✓ Passes |
💰 Return Metrics
| Gross Yield | 12.9% |
| Cap Rate | 8.4% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | -12.4% ▼ |
| 3-Year CAGR | -6.0% ▼ |
| 5-Year CAGR | +0.4% ▲ |
| 10-Year CAGR | +3.3% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The estimated cap rate (8.4%) 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.
Demographics in 41828
Population: 665
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
How much should I expect to pay for a home in Topmost, KY?
The median home value in Topmost, KY is roughly $73K. That puts it reasonable relative to the KY statewide average.
How do BRRRR numbers look in Topmost, KY?
Investors running BRRRR in Topmost, KY see a strong outcomes. Deal flow and rehab execution matter more than the macro here.
What is the smart move for investors in Topmost, KY?
Investors who focus on value-add and BRRRR deals typically do well in Topmost, KY. The numbers - $73K homes against $783/mo rents - support that play.
What monthly rent should investors expect in Topmost, KY?
Expect rents around $783/mo per month in Topmost, KY. With home values at $73K, the yield math works out to reasonable levels for rental investors.
Does the 1% rule work in Topmost, KY?
Hitting the 1% rule in Topmost, KY is realistic given the 1.07% average rent-to-price. Most value-add properties push well above that line.
You know 41828 now. You don’t know where it ranks.
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