Kentucky
Bell County
ZIP 40845
23,878 residents40 permits TTM$32,403 median HHI11 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$83,000
ACS 5-Year
Cap rate proxy
8.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
22.8%
HUD FMR ÷ ACS HHI
Net migration
+0.62%
IRS SOI
Permits (TTM)
40
Census BPS
Climate risk
68.0
FEMA NRI (0–100)
ZIP 40845
Median home value
—
Gross yield
—
Buy Box score
—
Section 8 gap
—
Affordability
P/I: —R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown11 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 40977 | — | — | — | 0.3 | — |
| 40965 | — | — | — | 0.2 | — |
| 40813 | — | — | — | — | — |
| 40845 | — | — | — | — | — |
| 40856 | — | — | — | — | — |
| 40902 | — | — | — | — | — |
| 40913 | — | — | — | — | — |
| 40939 | — | — | — | — | — |
| 40940 | — | — | — | — | — |
| 40958 | — | — | — | — | — |
| 40988 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
61.1%
Census ACS
Vacancy rate
17.9%
Census ACS
Bachelor's degree +
13.9%
Census ACS
Rent burdened
45.0%
Census ACS (>30% income)
Median age
41.2
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026