Rental numbers for Kentucky
4 of 93 ZIP codes with full Zillow data in this state are cash-flow positive; the median gross yield is 6.1%.
- Gross yield
- n/a
- no Zillow rent index
- Median ZIP yield
- 6.1%
- 93 ZIPs with full data
- Cash flow
- n/a
- at 7.78%, 25% down
- Typical price
- $233,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,377/mo
- median across 93 tier A ZIPs, Aug 2026
Counties
Gross yield uses Zillow county rent where published, otherwise the median ZIP yield
| Pulaski County | $184,000 | $1,220 | 8.0% | 4.3% | -$329 | n/a |
| Meade County | $283,000 | not published | 7.8% | n/a | n/a | n/a |
| Calloway County | $181,000 | $1,088 | 7.2% | 3.6% | -$428 | +4.1% |
| McCracken County | $196,000 | $1,153 | 7.1% | 3.5% | -$484 | +8.7% |
| Whitley County | $142,000 | $820 | 6.9% | 3.1% | -$396 | n/a |
| Simpson County | $255,000 | $1,448 | 6.8% | 3.6% | -$598 | n/a |
| Christian County | $203,000 | $1,135 | 6.7% | 3.3% | -$530 | +3.1% |
| Daviess County | $220,000 | $1,201 | 6.6% | 3.0% | -$626 | +4.8% |
| Bullitt County | $296,000 | $1,614 | 6.5% | 3.3% | -$790 | +1.8% |
| Hardin County | $245,000 | $1,295 | 6.3% | 3.1% | -$680 | -0.1% |
| Kenton County | $288,000 | $1,521 | 6.3% | 2.9% | -$848 | +3.7% |
| Clark County | $256,000 | $1,345 | 6.3% | 3.1% | -$720 | +6.0% |
| Rowan County | $192,000 | $1,004 | 6.3% | 3.0% | -$554 | n/a |
| Montgomery County | $227,000 | $1,173 | 6.2% | 2.9% | -$677 | n/a |
| Jefferson County | $266,000 | $1,360 | 6.1% | 2.8% | -$809 | +1.6% |
| Campbell County | $297,000 | $1,507 | 6.1% | 2.7% | -$934 | +3.4% |
| Laurel County | $181,000 | $900 | 5.9% | 2.6% | -$581 | n/a |
| Anderson County | $265,000 | $1,271 | 5.8% | 2.6% | -$858 | n/a |
| Henderson County | $205,000 | $968 | 5.7% | 2.2% | -$734 | n/a |
| Shelby County | $327,000 | $1,532 | 5.6% | 2.6% | -$1,054 | n/a |
| Fayette County | $333,000 | $1,552 | 5.6% | 2.5% | -$1,107 | +2.9% |
| Boone County | $348,000 | $1,607 | 5.5% | 2.5% | -$1,162 | +2.0% |
| Boyle County | $241,000 | $1,108 | 5.5% | 2.2% | -$852 | n/a |
| Scott County | $344,000 | $1,578 | 5.5% | 2.6% | -$1,102 | +3.6% |
| Jessamine County | $328,000 | $1,480 | 5.4% | 2.5% | -$1,097 | +4.2% |
| Grant County | $277,000 | $1,248 | 5.4% | 2.4% | -$943 | n/a |
| Warren County | $286,000 | $1,253 | 5.3% | 2.3% | -$994 | +1.5% |
| Barren County | $216,000 | $936 | 5.2% | 2.0% | -$800 | n/a |
| Oldham County | $451,000 | $1,912 | 5.1% | 2.1% | -$1,626 | n/a |
| Woodford County | $355,000 | $1,488 | 5.0% | 2.2% | -$1,269 | +2.5% |
| Franklin County | $249,000 | $1,024 | 4.9% | 1.8% | -$974 | +0.4% |
| Madison County | $285,000 | $1,123 | 4.7% | 1.8% | -$1,120 | +1.9% |
| Nelson County | $266,000 | $1,033 | 4.7% | 1.6% | -$1,082 | +0.9% |
| Adair County | $164,000 | not published | n/a | n/a | n/a | n/a |
| Allen County | $209,000 | not published | n/a | n/a | n/a | n/a |
| Ballard County | $141,000 | not published | n/a | n/a | n/a | n/a |
| Bath County | $185,000 | not published | n/a | n/a | n/a | n/a |
| Bell County | $92,000 | not published | n/a | n/a | n/a | n/a |
| Bourbon County | $259,000 | not published | n/a | n/a | n/a | n/a |
| Boyd County | $135,000 | not published | n/a | n/a | n/a | n/a |
| Bracken County | $205,000 | not published | n/a | n/a | n/a | n/a |
| Breathitt County | $70,000 | not published | n/a | n/a | n/a | n/a |
| Breckinridge County | $174,000 | not published | n/a | n/a | n/a | n/a |
| Butler County | $176,000 | not published | n/a | n/a | n/a | n/a |
| Caldwell County | $149,000 | not published | n/a | n/a | n/a | n/a |
| Carlisle County | $142,000 | not published | n/a | n/a | n/a | n/a |
| Carroll County | $191,000 | not published | n/a | n/a | n/a | n/a |
| Carter County | $156,000 | not published | n/a | n/a | n/a | n/a |
| Casey County | $164,000 | not published | n/a | n/a | n/a | n/a |
| Clay County | $114,000 | not published | n/a | n/a | n/a | n/a |
| Clinton County | $152,000 | not published | n/a | n/a | n/a | n/a |
| Crittenden County | $135,000 | not published | n/a | n/a | n/a | n/a |
| Cumberland County | $156,000 | not published | n/a | n/a | n/a | n/a |
| Edmonson County | $194,000 | not published | n/a | n/a | n/a | n/a |
| Elliott County | $154,000 | not published | n/a | n/a | n/a | n/a |
| Estill County | $110,000 | not published | n/a | n/a | n/a | n/a |
| Fleming County | $183,000 | not published | n/a | n/a | n/a | n/a |
| Floyd County | $85,000 | not published | n/a | n/a | n/a | n/a |
| Fulton County | $91,000 | not published | n/a | n/a | n/a | n/a |
| Gallatin County | $208,000 | not published | n/a | n/a | n/a | n/a |
| Garrard County | $254,000 | not published | n/a | n/a | n/a | n/a |
| Graves County | $171,000 | not published | n/a | n/a | n/a | n/a |
| Grayson County | $157,000 | not published | n/a | n/a | n/a | n/a |
| Green County | $188,000 | not published | n/a | n/a | n/a | n/a |
| Greenup County | $158,000 | not published | n/a | n/a | n/a | n/a |
| Hancock County | $204,000 | not published | n/a | n/a | n/a | n/a |
| Harlan County | $74,000 | not published | n/a | n/a | n/a | n/a |
| Harrison County | $246,000 | not published | n/a | n/a | n/a | n/a |
| Hart County | $193,000 | not published | n/a | n/a | n/a | n/a |
| Henry County | $250,000 | not published | n/a | n/a | n/a | n/a |
| Hickman County | $133,000 | not published | n/a | n/a | n/a | n/a |
| Hopkins County | $145,000 | not published | n/a | n/a | n/a | n/a |
| Jackson County | $108,000 | not published | n/a | n/a | n/a | n/a |
| Johnson County | $142,000 | not published | n/a | n/a | n/a | n/a |
| Knott County | $60,000 | not published | n/a | n/a | n/a | n/a |
| Knox County | $135,000 | not published | n/a | n/a | n/a | n/a |
| Larue County | $223,000 | not published | n/a | n/a | n/a | n/a |
| Lawrence County | $151,000 | not published | n/a | n/a | n/a | n/a |
| Lee County | $132,000 | not published | n/a | n/a | n/a | n/a |
| Leslie County | $74,000 | not published | n/a | n/a | n/a | n/a |
| Letcher County | $64,000 | not published | n/a | n/a | n/a | n/a |
| Lewis County | $115,000 | not published | n/a | n/a | n/a | n/a |
| Lincoln County | $200,000 | not published | n/a | n/a | n/a | n/a |
| Livingston County | $154,000 | not published | n/a | n/a | n/a | n/a |
| Logan County | $199,000 | not published | n/a | n/a | n/a | n/a |
| Lyon County | $181,000 | not published | n/a | n/a | n/a | n/a |
| Magoffin County | $120,000 | not published | n/a | n/a | n/a | n/a |
| Marion County | $239,000 | not published | n/a | n/a | n/a | n/a |
| Marshall County | $202,000 | not published | n/a | n/a | n/a | n/a |
| Martin County | $103,000 | not published | n/a | n/a | n/a | n/a |
| Mason County | $175,000 | not published | n/a | n/a | n/a | n/a |
| McCreary County | $102,000 | not published | n/a | n/a | n/a | n/a |
| McLean County | $161,000 | not published | n/a | n/a | n/a | n/a |
| Menifee County | $129,000 | not published | n/a | n/a | n/a | n/a |
| Mercer County | $243,000 | not published | n/a | n/a | n/a | n/a |
| Metcalfe County | $180,000 | not published | n/a | n/a | n/a | n/a |
| Monroe County | $147,000 | not published | n/a | n/a | n/a | n/a |
| Morgan County | $132,000 | not published | n/a | n/a | n/a | n/a |
| Muhlenberg County | $125,000 | not published | n/a | n/a | n/a | n/a |
| Nicholas County | $206,000 | not published | n/a | n/a | n/a | n/a |
| Ohio County | $144,000 | not published | n/a | n/a | n/a | n/a |
| Owen County | $179,000 | not published | n/a | n/a | n/a | n/a |
| Owsley County | $129,000 | not published | n/a | n/a | n/a | n/a |
| Pendleton County | $234,000 | not published | n/a | n/a | n/a | n/a |
| Perry County | $102,000 | not published | n/a | n/a | n/a | n/a |
| Pike County | $98,000 | not published | n/a | n/a | n/a | n/a |
| Powell County | $152,000 | not published | n/a | n/a | n/a | n/a |
| Robertson County | $204,000 | not published | n/a | n/a | n/a | n/a |
| Rockcastle County | $140,000 | not published | n/a | n/a | n/a | n/a |
| Russell County | $155,000 | not published | n/a | n/a | n/a | n/a |
| Spencer County | $376,000 | not published | n/a | n/a | n/a | n/a |
| Taylor County | $217,000 | not published | n/a | n/a | n/a | n/a |
| Todd County | $224,000 | not published | n/a | n/a | n/a | n/a |
| Trigg County | $136,000 | not published | n/a | n/a | n/a | n/a |
| Trimble County | $242,000 | not published | n/a | n/a | n/a | n/a |
| Union County | $144,000 | not published | n/a | n/a | n/a | n/a |
| Washington County | $255,000 | not published | n/a | n/a | n/a | n/a |
| Wayne County | $170,000 | not published | n/a | n/a | n/a | n/a |
| Webster County | $142,000 | not published | n/a | n/a | n/a | n/a |
| Wolfe County | $144,000 | not published | n/a | n/a | n/a | n/a |
Highest-yield ZIP codes in Kentucky
Tier A only: Zillow value against Zillow rent
| ZIP | Typical price | Rent | Gross yield | Cash flow /mo |
|---|---|---|---|---|
| 40210Louisville | $89,000 | $1,205 | 16.2% | +$288 |
| 40211Louisville | $94,000 | $1,156 | 14.8% | +$215 |
| 40212Louisville | $87,000 | $1,056 | 14.6% | +$172 |
| 41074Dayton | $203,000 | $1,932 | 11.4% | +$54 |
| 40215Louisville | $137,000 | $1,223 | 10.7% | -$59 |
| 40208Louisville | $138,000 | $1,137 | 9.9% | -$114 |
| 41014Covington | $178,000 | $1,234 | 8.3% | -$320 |
| 40213Louisville | $211,000 | $1,461 | 8.3% | -$342 |
| 40203Louisville | $151,000 | $1,005 | 8.0% | -$304 |
| 41071Newport | $234,000 | $1,538 | 7.9% | -$465 |
Trends
Five years to August 2026
- Price, 12 months
- -0.4%
- Rent, 12 months
- n/a
- Rent minus price growth
- n/a
- Property tax
- 0.75%
- effective rate, ACS 2024
Typical value (Zillow ZHVI)Indexed to 100 at Aug 2021
Show the numbers
| Month | Typical value |
|---|---|
| Aug 2021 | $185,847 |
| Aug 2022 | $206,239 |
| Aug 2023 | $213,272 |
| Aug 2024 | $223,052 |
| Aug 2025 | $233,544 |
| Aug 2026 | $232,577 |
Costs that vary by state
- Effective property tax
- 0.75%
- Census ACS 2024
- Landlord insurance default
- $1,830/yr
- NAIC HO-3 $1,525 x 1.2
- Permits per 1,000 households
- 7.5
- last 12 months
- Median typical price
- $265,000
- tier A ZIPs
Metros
Questions
- Is Kentucky good for rental property?
- 4 of 93 ZIP codes with full Zillow data in this state are cash-flow positive; the median gross yield is 6.1%. Cash flow assumes the typical home in each ZIP, 7.78% with 25% down and the default costs.
- What is the average property tax rate in Kentucky?
- About 0.75% of value statewide (Census ACS median taxes paid over median value). Rates vary widely by county; the county table above links to each.
- What does landlord insurance cost in Kentucky?
- NAIC's 2023 average homeowners (HO-3) premium in Kentucky was $1,525. Landlord policies usually cost more, so this site assumes $1,830 a year. Quotes depend on the property, coverage and claims history.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
- NAIC Homeowners Insurance Report, data for 2023
National Association of Insurance Commissioners. Read: 2023.
Average HO-3 homeowners premium by state, multiplied by 1.2 as a landlord-policy assumption.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.