Owensboro, KY · Kentucky

McLean County

9,127 residents3 permits TTM$70,549 median HHI6 ZIP codesUpdated April 28, 2026
Investor first look

Median home value

$145,600

ACS 5-Year

Cap rate proxy

5.0%

FMR × 0.65 ÷ Home Value

Rent-to-income

10.2%

HUD FMR ÷ ACS HHI

Net migration

+1.04%

IRS SOI

Permits (TTM)

3

Census BPS

Climate risk

40.7

FEMA NRI (0–100)

ZIP code breakdown6 ZIP codes
ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
423525.6%45.8%
423725.4%45.8%
423715.0%45.8%
423505.4%45.8%
423225.0%45.8%

Ranked by composite score

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Demographics

Owner-occupied

81.2%

Census ACS

Vacancy rate

13.5%

Census ACS

Bachelor's degree +

18.4%

Census ACS

Rent burdened

26.7%

Census ACS (>30% income)

Median age

43.2

Census ACS

Data sources
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 28, 2026