Real Estate Investing in Earlington, Kentucky (42410)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 42410 (Earlington, 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: 34.1% of homes vacant — above national norms.
- Declining values: -2.7% 5-year CAGR — values have moved lower.
- Elevated poverty: 28.6% poverty rate — can affect rent collection.
- Lower household income: $38,971 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 Earlington, KY (42410)?
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Market Analysis: 42410 Earlington
The 42410 ZIP in Earlington is not a pristine, turnkey story — it is a value-add map. Stock is older, prices near $52K are approachable, and upside sits in the rehab line.
BRRRR works in 42410 because the math supports it. Buy at $52K, rehab, and the refinance step typically recovers capital in a way that flat-yield markets cannot match.
Statewide, KY value-add investors migrate toward ZIPs with 42410's profile — older stock, soft but real rent growth, and $52K pricing that keeps rehab math workable.
Household income in 42410 supports the rent-lift thesis. 1,113 residents, deep working-age cohort, and the kind of tenant profile that responds to upgraded stock.
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 Earlington:
Market Trends
Home Value History (with trend line)
📊 How Does 42410 Compare?
| Metric | 42410 | Earlington | Madisonville, KY | Kentucky |
|---|---|---|---|---|
| Home Value | $51,738 | $51,738 | N/A | $225,788 |
| 5-Year CAGR | N/A | N/A | N/A | 6.9% |
| Avg Rent | $783 | $783 | N/A | - |
| Cap Rate | 11.8% | 11.8% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 42410 (Earlington, KY). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $51,738 |
| Monthly Rent | $783 |
| Price-to-Rent | 5.5:1 |
| 1% Rule | ✓ Passes |
💰 Return Metrics
| Gross Yield | 18.2% |
| Cap Rate | 11.8% |
| 5-Year IRR | 9.1% |
📈 Home Appreciation
| 1-Year | -0.3% ▼ |
| 3-Year CAGR | +0.9% ▲ |
| 5-Year CAGR | -2.7% ▼ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The estimated cap rate (11.8%) 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 42410
Population: 1,113
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
Investor Insight: With 2,188 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How do home values compare in Earlington, KY?
Earlington, KY median home values land near $52K. That is reasonable territory for investors looking at $783/mo-per-month rentals.
Do properties in Earlington, KY satisfy the 1% rule?
Hitting the 1% rule in Earlington, KY is realistic given the 1.51% average rent-to-price. Most value-add properties push well above that line.
How do experienced investors play Earlington, KY?
In Earlington, KY the healthy play is typically value-add and BRRRR deals. The combination of $52K prices and $783/mo rents suits that approach.
Is Earlington, KY a good market for FHA house hackers?
For house hackers, Earlington, KY is an attractive. The $783/mo rent on a unit helps defray the mortgage on a $52K property.
Is Earlington, KY a good market for buy-and-hold investors?
With a 4.0/5 investability score, Earlington, KY ranks as a solid market for rental property investors. Median prices of $52K and rents of $783/mo drive the underlying numbers.
You know 42410 now. You don’t know where it ranks.
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How 42410 ranks in Madisonville, KY
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