Is Pendleton County, KY good for real estate investing?

Pendleton County has an investment score of 71/100, rated as "Buy". The county ranks #138 nationally among 1000 counties analyzed.

What is the median home price in Pendleton?

The median home price in Pendleton County is $241,093. This ranks #543 in affordability among all US counties.

Can you cash flow on rental properties in Pendleton?

Based on median values with 20% down at current rates, a typical rental in Pendleton County would generate positive cash flow of $0/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Pendleton County

KentuckyPopulation: 14,638

/100

Buy

#138 of 1,000 counties

#29 in Kentucky (120 counties)

Analysis by RentalCalcs ResearchIndependent data + algorithm-driven scoring

Updated July 28, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$241,093

Median Home Price

5% above national median

$14,567/mo

Est. Rent

Based on regional data

6.04%

Rent-to-Price Ratio

Estimated from price data

+$0

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score

71/100

Cash Flow(30%)

0/100

Rent data not available for cash flow calculation.

Appreciation(25%)

82/100

Based on 3.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

78/100

Based on price relative to estimated local incomes.

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

Challenges

-Negative leverage (cap rate 0.0% < mortgage rate 6.9%)
-Limited rent data (estimates used)

Economic Indicators

Population

14,638

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Who this market fits

Skip if

−You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

County					Verdict
McCrackenKY	72	$187,133	Est. pending	—	Buy	View
DaviessKY	72	$206,762	$1,414	8.21%	Buy	View
GravesKY	72	$165,250	Est. pending	—	Buy	View
CurrentPendletonKY	71	$241,093	Est. pending	—	Buy
HarrisonKY	70	$227,218	Est. pending	—	Buy	View
GallatinKY	70	$221,357	Est. pending	—	Buy	View

The Bottom Line

BuyPendleton offers solid investment potential with roughly break-even cash flow at typical financing.

Pendleton County in Kentucky scores 71/100, ranking #138 of 1,000 US counties (top 18%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow. The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow

+$0/mo

Cap Rate

0.0%

Cash-on-Cash

0.0%