Real Estate Investing in Sebree, Kentucky (42455)

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

Webster County • Population: 3,703 • Data updated: September 2026

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Should you buy in 42455 (Sebree, KY)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

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

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 14.1% 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 Sebree, KY (42455)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $155,467
Avg Monthly Rent $864
1% Rule ✗ Does Not Meet
Median Income $65,938
% Renters 44.9%

Market Analysis: 42455 Sebree

ZIP 42455 inside Webster County looks affordable on the surface — median value of $155K — but the discount exists for reasons that a careful buyer should understand before committing.

Rent of $864/mo on a $155K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 42455 sits below the stated 0.0% once reality is priced in.

The gap between 42455 and stronger Sebree ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

On the rental side, 3,703 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Distressed ZIPs reward experience. notable returns are possible in 42455, but they flow to investors who already understand how to operate in soft markets.

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 Sebree:

B Good
Buy Confidence Score: 77/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Rising (+3.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $864/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 42455

Which property type performs best in this market?

Best for Cash Flow
2BR
9.1% cap rate
Best for Appreciation
2BR
+9.0% 5yr CAGR
Best Overall Value
2BR
$38,085/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $76,170 $960 9.1% +9.0% $38,085
3BR $149,608 $1,240 6.0% +7.1% $49,869

Market Trends

Home Value History (with trend line)

$167K$145K$123K$101K$79K$57KApr 2009Dec 2017Jul 2026

📊 How Does 42455 Compare?

Metric 42455 Sebree Kentucky
Home Value $155,467 $155,467 $225,788
5-Year CAGR 5.5% 5.5% 6.9%
Avg Rent $864 $864 -
Cap Rate 4.3% 4.3% -
💡 Why Invest in 42455? Click to expand

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

A healthy rental market with 45% renter-occupied households ensures tenant availability.

📊 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 42455 (Sebree, KY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+5.5%
Moderate

📊 Market Snapshot

Home Value $155,467
Monthly Rent $864
Price-to-Rent 15.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.7%
Cap Rate 4.3%
5-Year IRR 9.9%

📈 Home Appreciation

1-Year +3.5% ▲
3-Year CAGR +4.8% ▲
5-Year CAGR +5.5% ▲
10-Year CAGR +6.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.3%). 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.

Vacancy
14.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 42455

Population: 3,703

💰 Median Household Income
$65,938
This area
$65,938
State
$55,541
USA
$74,580
🏠 Renter Occupied
44.9%
This area
44.9%
State
23.6%
USA
34.0%
💼 Unemployment Rate
1.0%
This area
1.0%
State
-16.4%
USA
3.7%
🎓 College Educated
8.1%
This area
8.1%
State
-4.1%
USA
33.7%
👤 Median Age
27.6 years
This area
27.6 years
State
4.8 years
USA
38.9 years
🏚️ Vacancy Rate
14.1%
This area
14.1%
State
16.9%
USA
10.5%
👥 Population by Ethnicity
White 81.9%
Other/Mixed 17.5%
Hispanic/Latino 13.0%
Black/African American 0.5%
👶 Under 18
34.0%
This area
34.0%
USA
22.0%
👴 65 and Over
11.8%
This area
11.8%
USA
17.3%
📊 Poverty Rate
8.8%
This area
8.8%
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 42455

B Avg School Grade
1 Schools
17.6:1 Avg Class Size
$12,904 Avg Per Pupil

Schools in This ZIP Code

B Good

Sebree Elementary School

📚 Pre-K – 06 School
👥
379 Students
👨‍🏫
17.6:1 Class Size
💰
$12,904 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.

Frequently Asked Questions

Is housing expensive in Sebree, KY?

Sebree, KY home values average about $155K. That price point suits investors targeting rentals with $864/mo in monthly income.

How qualified is the tenant pool in Sebree, KY?

The tenant pool in Sebree, KY is solid, supported by local employment and population fundamentals. Rents of $864/mo are well-absorbed by the market.

Is Sebree, KY a friendly market for rental owners?

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

What does house hacking look like in Sebree, KY?

The a challenging house-hack environment in Sebree, KY reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is vacancy a concern in Sebree, KY?

Rental vacancy in Sebree, KY is elevated. Investors should budget normal turnover but not chronic empty units.

You know 42455 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 42455 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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