Real Estate Investing in Cub Run, Kentucky (42729)

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

Hart County • Population: 1,635 • Data updated: September 2026

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Should you buy in 42729 (Cub Run, KY)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (51/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
4 flags
  • High vacancy: 42.0% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (1.3% CAGR).
  • 1-year downturn: Values declined 5.3% in the last year.
  • Elevated poverty: 20.1% poverty rate — can affect rent collection.

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

What’s happening in Cub Run, KY (42729)?

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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 $174,943
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $40,256
% Renters 7.7%

Market Analysis: 42729 Cub Run

The 42729 ZIP in Cub Run, KY is a local-operator market. Outside capital chasing a $175K entry has to pair deep knowledge with the discount.

The investment case in 42729 is durable only for operators who understand what they are buying. A $175K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

The gap between 42729 and stronger Cub Run ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The 42729 ZIP's population of 1,635 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that stands at the need for careful underwriting.

Strategy in 42729 is an operator game, not a passive one. From a cash-flow lens, entry prices of $175K are inviting, the management lift is real and non-optional.

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 Cub Run:

C+ Average
Buy Confidence Score: 61/100
Affordability
15/25
Appreciation
14/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Declining (-5.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/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
Bowling Green, KY Metro Area
More inventory, negotiating room for buyers
98 days
Average time to sell
Slow
8.7%
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 Bowling Green, KY metro data
🏠

Property Strategy for 42729

Which property type performs best in this market?

Best for Cash Flow
2BR
3.7% cap rate
Best for Appreciation
2BR
+11.6% 5yr CAGR
Best Overall Value
3BR
$88,197/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $204,736 $1,060 3.7% +11.6% $102,368
3BR $264,592 $1,280 3.5% +9.8% $88,197

Market Trends

Home Value History (with trend line)

$193K$175K$156K$138K$120K$102KJul 2006Jul 2016Jul 2026

📊 How Does 42729 Compare?

Metric 42729 Cub Run Bowling Green, KY Kentucky
Home Value $174,943 $174,943 N/A $225,788
5-Year CAGR 1.3% 1.3% N/A 6.9%
Avg Rent $954 $954 N/A -
Cap Rate 4.3% 4.3% - -
💡 Why Invest in 42729? 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 42729 (Cub Run, KY). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.3%
Fair
5yr Growth
+1.3%
Slow

📉 Market Crash Risk Index

Based on Bowling Green, KY metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
69%
Days Pending
2/2
98 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $174,943
Monthly Rent $954
Price-to-Rent 15.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.3%
5-Year IRR 5.6%

📈 Home Appreciation

1-Year -5.3% ▼
3-Year CAGR -1.9% ▼
5-Year CAGR +1.3% ▲
10-Year CAGR +4.8% ▲

🏠 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
42.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.3%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 42729

Population: 1,635

💰 Median Household Income
$40,256
This area
$40,256
State
$55,541
USA
$74,580
🏠 Renter Occupied
7.7%
This area
7.7%
State
23.6%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-16.4%
USA
3.7%
🎓 College Educated
11.4%
This area
11.4%
State
-4.1%
USA
33.7%
👤 Median Age
47.0 years
This area
47.0 years
State
4.8 years
USA
38.9 years
🏚️ Vacancy Rate
42.0%
This area
42.0%
State
16.9%
USA
10.5%
👥 Population by Ethnicity
White 96.0%
Other/Mixed 2.7%
Hispanic/Latino 2.0%
Asian 1.3%
👶 Under 18
28.4%
This area
28.4%
USA
22.0%
👴 65 and Over
28.1%
This area
28.1%
USA
17.3%
📊 Poverty Rate
20.1%
This area
20.1%
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 42729

B+ Avg School Grade
1 Schools
12.7:1 Avg Class Size
$15,172 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Cub Run Elementary School

📚 Pre-K – 08 School
👥
205 Students
👨‍🏫
12.7:1 Class Size
💰
$15,172 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

How do home values compare in Cub Run, KY?

In Cub Run, KY the median home value sits at $175K. Against the broader KY market, that reads as reasonable for most investors.

How deep is the rental pool in Cub Run, KY?

The tenant pool in Cub Run, KY is solid, supported by local employment and population fundamentals. Rents of $954/mo are well-absorbed by the market.

Is Cub Run, KY landlord-friendly?

KY law landlord-friendly for landlords, and Cub Run inherits those rules. Investors should still review local ordinances for rental licensing.

Do rentals sit vacant long in Cub Run, KY?

Expect elevated vacancy in Cub Run, KY. Rents at $954/mo are absorbed by the tenant base without meaningful lag.

Can I live-in-and-rent in Cub Run, KY?

House hacking in Cub Run, KY is a challenging. With home values around $175K and rents at $954/mo, owner-occupants can offset a meaningful share of PITI.

You know 42729 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 42729 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 42729 ranks in Bowling Green, KY

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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