Real Estate Investing in Livermore, Kentucky (42352)

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

McLean County • Population: 1,834 • Data updated: September 2026

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Should you buy in 42352 (Livermore, KY)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (62/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
MIXED
3.0 / 5 (52/100)

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
3 flags
  • High vacancy: 15.1% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.2% CAGR).
  • 1-year downturn: Values declined 6.9% in the last year.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Livermore, KY (42352)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $130,676
Avg Monthly Rent $918
1% Rule ✗ Does Not Meet
Median Income $52,301
% Renters 27.3%

Market Analysis: 42352 Livermore

Investors eyeing 42352 need to respect the fundamentals at play. Home values of $131K come alongside slower price movement and elevated management overhead.

The 42352 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Regionally, 42352 sits on the difficult end of the KY spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

The demographic picture in 42352 includes headwinds that any investor should price in. Income distribution skews lower than Livermore averages, and tenant stability requires active management.

New investors are better served looking at Livermore's stable or hybrid ZIPs before stepping into 42352. The learning curve here is expensive when the lesson is wrong.

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 Livermore:

C+ Average
Buy Confidence Score: 67/100
Affordability
25/25
Appreciation
10/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.5× the median income
Value Trend
Declining (-6.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $918/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Owensboro, KY Metro Area
More inventory, negotiating room for buyers
53 days
Average time to sell
Average
12.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Owensboro, KY metro data
🏠

Property Strategy for 42352

Which property type performs best in this market?

Best for Cash Flow
2BR
8.4% cap rate
Best for Appreciation
3BR
+6.3% 5yr CAGR
Best Overall Value
2BR
$43,760/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $87,519 $1,020 8.4% +4.2% $43,760
3BR $144,696 $1,350 6.7% +6.3% $48,232

Market Trends

Home Value History (with trend line)

$158K$137K$116K$95K$74K$53KMay 2010Jun 2018Jul 2026

📊 How Does 42352 Compare?

Metric 42352 Livermore Owensboro, KY Kentucky
Home Value $130,676 $130,676 N/A $225,788
5-Year CAGR 0.2% 0.2% N/A 6.9%
Avg Rent $918 $918 N/A -
Cap Rate 5.5% 5.5% - -
💡 Why Invest in 42352? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 42352 (Livermore, KY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.5%
Fair
5yr Growth
+0.2%
Slow

📉 Market Crash Risk Index

Based on Owensboro, KY metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
56%
Days Pending
1/2
53 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $130,676
Monthly Rent $918
Price-to-Rent 11.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.4%
Cap Rate 5.5%
5-Year IRR 5.7%

📈 Home Appreciation

1-Year -6.9% ▼
3-Year CAGR -2.9% ▼
5-Year CAGR +0.2% ▲
10-Year CAGR +4.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). 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.

Vacancy
15.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+0.2%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 42352

Population: 1,834

💰 Median Household Income
$52,301
This area
$52,301
State
$55,541
USA
$74,580
🏠 Renter Occupied
27.3%
This area
27.3%
State
23.6%
USA
34.0%
💼 Unemployment Rate
2.9%
This area
2.9%
State
-16.4%
USA
3.7%
🎓 College Educated
15.2%
This area
15.2%
State
-4.1%
USA
33.7%
👤 Median Age
44.9 years
This area
44.9 years
State
4.8 years
USA
38.9 years
🏚️ Vacancy Rate
15.1%
This area
15.1%
State
16.9%
USA
10.5%
👥 Population by Ethnicity
White 96.2%
Other/Mixed 3.9%
Hispanic/Latino 1.9%
👶 Under 18
25.4%
This area
25.4%
USA
22.0%
👴 65 and Over
23.5%
This area
23.5%
USA
17.3%
📊 Poverty Rate
16.1%
This area
16.1%
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

🎓 Schools in 42352

B+ Avg School Grade
1 Schools
13.1:1 Avg Class Size
$14,090 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Livermore Elementary School

📚 Pre-K – 05 Elementary
👥
244 Students
👨‍🏫
13.1:1 Class Size
💰
$14,090 Per Student
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

2 Nearby 2,548 Off-Campus Students
C
Owensboro Community and Technical College
4,694 students · 14.1 mi
D
Ross Medical Education Center-Owensboro
29 students · 14.5 mi

Investor Insight: With 2,548 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How strong are rents in Livermore, KY?

Livermore, KY rentals go for roughly $918/mo a month. That puts gross yield in solid territory relative to $131K acquisition costs.

What approach is best for Livermore, KY real estate?

In Livermore, KY the impressive play is typically careful cash-flow rentals with hands-on management. The combination of $131K prices and $918/mo rents suits that approach.

Is Livermore, KY a good place for real estate investing?

Livermore, KY rates 3.0/5 for investability. With median values at $131K and rents near $918/mo, the market offers reasonable fundamentals for rental investors.

Can I live-in-and-rent in Livermore, KY?

House hacking works a challenging in Livermore, KY. Rents of $918/mo against $131K acquisition make the strategy solid for owner-occupants.

How landlord-friendly is Livermore, KY?

For rental operators, Livermore, KY rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

You know 42352 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 42352 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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How 42352 ranks in Owensboro, KY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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