Real Estate Investing in Scottsville, Kentucky (42164)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 42164 (Scottsville, 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: 14.0% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Scottsville, KY (42164)?
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Market Analysis: 42164 Scottsville
The 42164 ZIP covers a section of Scottsville that demands careful diligence. Prices near $210K look accessible, but the work to make a deal cash flow is real.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $210K asset, 42164 is the wrong submarket. If the plan prices in friction, the yield can still work.
The gap between 42164 and stronger Scottsville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 42164 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Strategically, 42164 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 Scottsville:
Property Strategy for 42164
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $140,201 | $1,000 | 5.1% | +8.6% | $70,100 |
| 3BR | $220,424 | $1,230 | 4.0% | +9.1% | $73,475 |
| 4BR | $292,538 | $1,530 | 3.8% | +8.4% | $73,135 |
| 5BR | $360,847 | — | — | +8.9% | $72,169 |
Market Trends
Home Value History (with trend line)
📊 How Does 42164 Compare?
| Metric | 42164 | Scottsville | Bowling Green, KY | Kentucky |
|---|---|---|---|---|
| Home Value | $210,349 | $210,349 | N/A | $225,788 |
| 5-Year CAGR | 6.9% | 6.9% | N/A | 6.9% |
| Avg Rent | $900 | $900 | N/A | - |
| Cap Rate | 3.3% | 3.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 42164 (Scottsville, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $210,349 |
| Monthly Rent | $900 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 10.2% |
📈 Home Appreciation
| 1-Year | +7.0% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +6.9% ▲ |
| 10-Year CAGR | +8.2% ▲ |
🏠 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 (3.3%). 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 42164
Population: 17,416
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 42164
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
What is the median home value in Scottsville, KY?
The median home value in Scottsville, KY is roughly $210K. That puts it reasonable relative to the KY statewide average.
Are there empty rentals in Scottsville, KY?
Rental vacancy in Scottsville, KY is elevated. Investors should budget normal turnover but not chronic empty units.
What is the average monthly rent in Scottsville, KY?
Rental rates in Scottsville, KY average $900/mo. Tenant demand and $210K home values make the yield look reasonable by investor standards.
Is rental property easy to operate in Scottsville, KY?
Scottsville, KY falls under KY landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
How deep is the rental pool in Scottsville, KY?
Scottsville, KY offers a stable renter base at the $900/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 42164 now. You don’t know where it ranks.
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How 42164 ranks in Bowling Green, KY
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Community Ratings
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