Kentucky
Whitley County
ZIP 40701
36,755 residents45 permits TTM$41,719 median HHI4 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$120,600
ACS 5-Year
Cap rate proxy
7.2%
FMR × 0.65 ÷ Home Value
Rent-to-income
20.7%
HUD FMR ÷ ACS HHI
Net migration
+1.23%
IRS SOI
Permits (TTM)
45
Census BPS
Climate risk
62.2
FEMA NRI (0–100)
ZIP 40701
Median home value
—
Gross yield
—
Cap rate
7.5%
Rent gap
—
Affordability
P/I: 4.2R/I: 31.3%
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown4 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate ↓ | Rent gap |
|---|---|---|---|---|---|
| 40701 | — | — | — | 7.5% | — |
| 40763 | — | — | — | 7.2% | — |
| 40769 | — | — | — | 6.9% | — |
| 40759 | — | — | — | 6.7% | — |
Sort by any column. Click a ZIP for detail. Rent gap: green = HUD FMR above market rent.
Demographics
Owner-occupied
66.7%
Census ACS
Vacancy rate
12.8%
Census ACS
Bachelor's degree +
19.8%
Census ACS
Rent burdened
34.6%
Census ACS (>30% income)
Median age
35.4
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