Real Estate Investing in Gamaliel, Kentucky (42140)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 42140 (Gamaliel, KY)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 21.4% of homes vacant — above national norms.
- Elevated poverty: 25.9% poverty rate — can affect rent collection.
- Lower household income: $34,583 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 Gamaliel, KY (42140)?
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Market Analysis: 42140 Gamaliel
The 42140 ZIP in Gamaliel, KY is a local-operator market. Outside capital chasing a $142K entry has to pair deep knowledge with the discount.
For an experienced owner, 42140 can be a a viable market for hunting ground — but the discount at $142K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Gamaliel have seen price recovery that 42140 has not matched. Monroe County data supports the view that the spread is structural rather than temporary.
Who lives in 42140 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Experienced landlords with local relationships tend to find 42140 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Gamaliel:
Market Trends
Home Value History (with trend line)
📊 How Does 42140 Compare?
| Metric | 42140 | Gamaliel | Kentucky |
|---|---|---|---|
| Home Value | $142,212 | $142,212 | $225,788 |
| 5-Year CAGR | 7.3% | 7.3% | 6.9% |
| Avg Rent | $837 | $837 | - |
| 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 42140 (Gamaliel, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $142,212 |
| Monthly Rent | $837 |
| Price-to-Rent | 14.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.1% |
| Cap Rate | 4.6% |
| 5-Year IRR | 11.8% |
📈 Home Appreciation
| 1-Year | +6.5% ▲ |
| 3-Year CAGR | +7.5% ▲ |
| 5-Year CAGR | +7.3% ▲ |
| 10-Year CAGR | +8.4% ▲ |
🏠 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 42140
Population: 1,261
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 42140
Schools in This ZIP Code
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.
Frequently Asked Questions
How does Gamaliel, KY stack up for property investment?
With a 3.0/5 investability score, Gamaliel, KY ranks as a solid market for rental property investors. Median prices of $142K and rents of $837/mo drive the underlying numbers.
What monthly rent should investors expect in Gamaliel, KY?
Rents in Gamaliel, KY run near $837/mo. Compared with median home prices of $142K that produces solid gross yields for typical rentals.
What type of investing works in Gamaliel, KY?
In Gamaliel, KY the solid play is typically careful cash-flow rentals with hands-on management. The combination of $142K prices and $837/mo rents suits that approach.
What does house hacking look like in Gamaliel, KY?
House hacking works a challenging in Gamaliel, KY. Rents of $837/mo against $142K acquisition make the strategy solid for owner-occupants.
Are eviction rules reasonable in Gamaliel, KY?
Gamaliel, KY operates under KY law, which is landlord-friendly overall for landlords. Expect predictable treatment in typical lease and eviction cases.
You know 42140 now. You don’t know where it ranks.
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