Is Oldham County, KY good for real estate investing?

Oldham County has an investment score of 64/100, rated as "Buy". The county ranks #230 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Oldham County is 6.11% annually, which ranks in the 55th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Oldham?

The median home price in Oldham County is $434,357. This ranks #869 in affordability among all US counties.

Can you cash flow on rental properties in Oldham?

Based on median values with 20% down at current rates, a typical rental in Oldham County would generate negative cash flow of $840/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Oldham County

KentuckyPopulation: 67,997Louisville, KY Metro

/100

Buy

#230 of 1,000 counties

#64 in Kentucky (120 counties)

Market Snapshot

$434,357

Median Home Price

86% above national median

$2,211/mo

Median Rent

46% above national median

6.11%

Rent-to-Price Ratio

Top 45% nationally

-$840

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$434,357

Down Payment (20%)$86,871

Loan Amount$347,486

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,211

Monthly P&I-$2,277

Est. Expenses (35%)-$774

Net Cash Flow-$840/mo

4.0%

Cap Rate (all cash)

-10.1%

Cash-on-Cash Return

6.11%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.0% 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

64/100

Cash Flow(30%)

61/100

Based on 6.11% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

74/100

Based on 2.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

74/100

Price-to-income ratio of 3.7x. 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

+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$840/mo)
-Negative leverage (cap rate 4.0% < mortgage rate 6.9%)

Economic Indicators

Population

67,997

Median Income

$117,334

vs $57,022 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.7x

Moderately affordable

Compare to Nearby Counties

County					Verdict
ClarkKY	65	$256,894	$1,334	6.23%	Buy	View
HardinKY	65	$241,967	$1,369	6.79%	Buy	View
BoyleKY	65	$235,668	$1,150	5.86%	Buy	View
CurrentOldhamKY	64	$434,357	$2,211	6.11%	Buy
MontgomeryKY	63	$216,817	$994	5.50%	Buy	View
FayetteKY	63	$319,672	$1,613	6.05%	Buy	View

The Bottom Line

BuyOldham offers solid investment potential with good cash flow or appreciation prospects.

Oldham County in Kentucky scores 64/100, ranking #230 of 1,000 US counties (top 30%). The 6.11% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-840/mo

Cap Rate

4.0%

Cash-on-Cash

-10.1%

Ready to Analyze a Deal in Oldham?

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$434,357

Down Payment (20%)$86,871

Loan Amount$347,486

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,211

Monthly P&I-$2,277

Est. Expenses (35%)-$774

Net Cash Flow-$840/mo

4.0%

Cap Rate (all cash)

-10.1%

Cash-on-Cash Return

6.11%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.0% 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

64/100

Cash Flow(30%)

61/100

Based on 6.11% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

74/100

Based on 2.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

74/100

Price-to-income ratio of 3.7x. Lower ratios indicate more affordable markets.

County

Verdict

ClarkKY

$256,894

$1,334

6.23%

Buy

View

HardinKY

$241,967

$1,369

6.79%

Buy

View

BoyleKY

$235,668

$1,150

5.86%

Buy

View

CurrentOldhamKY

$434,357

$2,211

6.11%

Buy

MontgomeryKY

$216,817

$994

5.50%

Buy

View

FayetteKY

$319,672

$1,613

6.05%

Buy

View

The Bottom Line

BuyOldham offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-840/mo

Cap Rate

4.0%

Cash-on-Cash

-10.1%