Real Estate Investing in Derby, Indiana (47525)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 47525 (Derby, IN)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 27.6% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Derby, IN (47525)?
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Market Analysis: 47525 Derby
The 47525 ZIP in Derby, IN is a local-operator market. Outside capital chasing a $234K entry has to pair deep knowledge with the discount.
Looking more closely, the numbers look inviting — $234K purchase price, 0.0% nominal cap — the work to hit that pro forma in 47525 is substantial and deserves full respect.
ZIP 47525's metrics run below Perry County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Demographically, 47525 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Strategy in 47525 is an operator game, not a passive one. From an investor standpoint, entry prices of $234K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Derby:
Market Trends
Home Value History (with trend line)
📊 How Does 47525 Compare?
| Metric | 47525 | Derby | Indiana |
|---|---|---|---|
| Home Value | $234,357 | $234,357 | $248,442 |
| 5-Year CAGR | 6.3% | 6.3% | 7.7% |
| Avg Rent | $891 | $891 | - |
| Cap Rate | 3.0% | 3.0% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 47525 (Derby, IN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $234,357 |
| Monthly Rent | $891 |
| Price-to-Rent | 21.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.6% |
| Cap Rate | 3.0% |
| 5-Year IRR | 9.3% |
📈 Home Appreciation
| 1-Year | +6.6% ▲ |
| 3-Year CAGR | +5.6% ▲ |
| 5-Year CAGR | +6.3% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 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 (3.0%). 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 47525
Population: 313
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
Frequently Asked Questions
Is Derby, IN a good market for buy-and-hold investors?
Investors tracking Derby, IN will find a 3.0/5 rating supported by $234K median home values and $891/mo rents. That profile suits long-term holders targeting even-keeled returns.
What is the rental occupancy rate in Derby, IN?
Occupancy in Derby, IN runs reliable with elevated vacancy. Well-priced units at $891/mo lease on reasonable timelines.
How expensive is real estate in Derby, IN?
Median home price in Derby, IN is near $234K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.
How strict are landlord regulations in Derby, IN?
Rental owners in Derby, IN deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
Where do rents currently stand in Derby, IN?
The typical rental in Derby, IN commands about $891/mo monthly. That rent profile stable cash flow against the $234K purchase basis.
You know 47525 now. You don’t know where it ranks.
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