Kentucky
McCreary County
ZIP 42653
16,905 residents0 permits TTM$37,355 median HHI7 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$77,000
ACS 5-Year
Cap rate proxy
9.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
18.9%
HUD FMR ÷ ACS HHI
Net migration
+0.57%
IRS SOI
Permits (TTM)
0
Census BPS
Climate risk
25.3
FEMA NRI (0–100)
ZIP 42653
Median home value
$98,497
Gross yield
10.6%
Cap rate
7.2%
Rent gap
32.1%
Affordability
P/I: 2.6R/I: —
Section 8 detail
SAFMR: $866Rent: $588Gap: 47.3%
ZIP code breakdown7 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 42631 | $77,000county est. | $866 | 13.5% | 9.2% | 32.1% |
| 42634 | $77,000county est. | $866 | 13.5% | 9.2% | 32.1% |
| 42635 | $107,363 | $866 | 9.7% | 6.6% | 32.1% |
| 42638 | $77,000county est. | $866 | 13.5% | 9.2% | 32.1% |
| 42647 | $95,843 | $866 | 10.8% | 7.4% | 32.1% |
Ranked by composite score
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Demographics
Owner-occupied
74.4%
Census ACS
Vacancy rate
19.1%
Census ACS
Bachelor's degree +
9.1%
Census ACS
Rent burdened
28.7%
Census ACS (>30% income)
Median age
38.7
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