Is McCracken County, KY good for real estate investing?

McCracken County has an investment score of 76/100, rated as "Strong Buy". The county ranks #30 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in McCracken?

The rent-to-price ratio in McCracken County is 8.48% annually, which ranks in the 94th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in McCracken?

The median home price in McCracken County is $187,543. This ranks #311 in affordability among all US counties.

Can you cash flow on rental properties in McCracken?

Based on median values with 20% down at current rates, a typical rental in McCracken County would generate negative cash flow of $122/month. Individual property performance varies based on purchase price, rent, and operating expenses.

McCracken County

KentuckyPopulation: 67,573

/100

Strong Buy

#30 of 1,000 counties

#6 in Kentucky (120 counties)

Market Snapshot

$187,543

Median Home Price

20% below national median

$1,325/mo

Median Rent

12% below national median

8.48%

Rent-to-Price Ratio

Top 6% nationally

-$122

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$187,543

Down Payment (20%)$37,509

Loan Amount$150,034

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,325

Monthly P&I-$983

Est. Expenses (35%)-$464

Net Cash Flow-$122/mo

5.5%

Cap Rate (all cash)

-3.4%

Cash-on-Cash Return

8.48%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

76/100

Cash Flow(30%)

85/100

Based on 8.48% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

86/100

Based on 4.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

82/100

Price-to-income ratio of 3.2x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (8.48%)
+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative leverage (cap rate 5.5% < mortgage rate 6.9%)

Economic Indicators

Population

67,573

Median Income

$58,490

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.2x

Moderately affordable

Compare to Nearby Counties

County					Verdict
GravesKY	78	$161,354	Est. pending	—	Strong Buy	View
CurrentMcCrackenKY	76	$187,543	$1,325	8.48%	Strong Buy
GreenupKY	75	$148,625	Est. pending	—	Strong Buy	View
NicholasKY	74	$197,860	Est. pending	—	Buy	View
HancockKY	74	$190,086	Est. pending	—	Buy	View
RockcastleKY	73	$149,729	Est. pending	—	Buy	View

The Bottom Line

Strong BuyMcCracken is a strong buy market with excellent fundamentals for buy-and-hold investors.

McCracken County in Kentucky scores 76/100, ranking #30 of 1,000 US counties (top 4%). The 8.48% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-122/mo

Cap Rate

5.5%

Cash-on-Cash

-3.4%

Ready to Analyze a Deal in McCracken?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$187,543

Down Payment (20%)$37,509

Loan Amount$150,034

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,325

Monthly P&I-$983

Est. Expenses (35%)-$464

Net Cash Flow-$122/mo

5.5%

Cap Rate (all cash)

-3.4%

Cash-on-Cash Return

8.48%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.5% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

76/100

Cash Flow(30%)

85/100

Based on 8.48% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

86/100

Based on 4.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

82/100

Price-to-income ratio of 3.2x. Lower ratios indicate more affordable markets.

Compare to Nearby Counties

County					Verdict
GravesKY	78	$161,354	Est. pending	—	Strong Buy	View
CurrentMcCrackenKY	76	$187,543	$1,325	8.48%	Strong Buy
GreenupKY	75	$148,625	Est. pending	—	Strong Buy	View
NicholasKY	74	$197,860	Est. pending	—	Buy	View
HancockKY	74	$190,086	Est. pending	—	Buy	View
RockcastleKY	73	$149,729	Est. pending	—	Buy	View

The Bottom Line

Strong BuyMcCracken is a strong buy market with excellent fundamentals for buy-and-hold investors.

McCracken County in Kentucky scores 76/100, ranking #30 of 1,000 US counties (top 4%). The 8.48% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential.

Monthly Cash Flow

$-122/mo

Cap Rate

5.5%

Cash-on-Cash

-3.4%