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Market MapPaducah, KY
Metropolitan Area

Paducah, KY

Kentucky0
82
/100
Strong Buy
#2 of 894 metros
Top 0% nationally for investing

Market Snapshot

$165,710
Median Home Price
32% below national median
$1,291/mo
Median Rent
7% below national median
9.35%
Rent-to-Price Ratio
Top 3% nationally
-$30
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$165,710
Down Payment (20%)$33,142
Loan Amount$132,568
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,291
Monthly P&I-$869
Est. Expenses (35%)-$452
Net Cash Flow-$30/mo
6.1%
Cap Rate (all cash)
-0.9%
Cash-on-Cash Return
9.35%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 6.1% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
82/100
82
Cash Flow(30%)
93/100

Based on 9.35% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
90/100

Based on 6.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
94/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (9.35%)
  • +Strong price appreciation (+6.0% YoY)
  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)

Challenges

  • -Negative leverage (cap rate 6.1% < mortgage rate 6.9%)

Counties in Paducah, KY

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Decatur, IL
Decatur, IL
85$118,242$1,02110.36%Strong BuyView
Current
Paducah, KY
82$165,710$1,2919.35%Strong Buy
Indiana, PA
Indiana, PA
82$158,790$1,37610.40%Strong BuyView
Connersville, IN
Connersville, IN
82$158,083Est.Strong BuyView
Danville, IL
Danville, IL
81$93,319$81510.48%Strong BuyView
Enid, OK
Enid, OK
81$137,435$1,0769.39%Strong BuyView

The Bottom Line

Strong BuyPaducah, KY is a strong buy market with excellent fundamentals for buy-and-hold investors.

The Paducah, KY metro area scores 82/100, ranking #2 of 894 US metros (top 0%). The 9.35% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential across the metro.

Monthly Cash Flow
$-30/mo
Cap Rate
6.1%
Cash-on-Cash
-1.1%

Ready to Invest in Paducah, KY?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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