Kentucky
Clay County
ZIP 40914
20,105 residents0 permits TTM$39,607 median HHI4 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$87,300
ACS 5-Year
Cap rate proxy
9.6%
FMR × 0.65 ÷ Home Value
Rent-to-income
21.1%
HUD FMR ÷ ACS HHI
Net migration
+0.41%
IRS SOI
Permits (TTM)
0
Census BPS
Climate risk
67.1
FEMA NRI (0–100)
ZIP 40914
Median home value
—
Gross yield
—
Cap rate
9.6%
Rent gap
—
Affordability
P/I: 2.2R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown4 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 40914 | — | — | — | 9.6% | — |
| 40941 | — | — | — | 9.6% | — |
| 40972 | — | — | — | 9.6% | — |
| 40962 | — | — | — | 7.3% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
77.6%
Census ACS
Vacancy rate
16.9%
Census ACS
Bachelor's degree +
16.6%
Census ACS
Rent burdened
41.9%
Census ACS (>30% income)
Median age
40.6
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