RentalCalcs
ToolsMarket MapMy DealsPricingBlog
RentalCalcs

Professional real estate investment calculators to help you analyze deals faster and make confident investment decisions.

Product

  • Tools
  • Market Map
  • Pricing
  • Blog
  • About

Top Markets

  • Maricopa County, AZ
  • Harris County, TX
  • San Diego County, CA
  • Miami-Dade County, FL
  • Dallas County, TX
  • Clark County, NV
  • Cook County, IL
  • Tarrant County, TX
  • Wayne County, MI
  • Orange County, CA
  • Browse All Markets →

Legal

  • Terms of Service
  • Privacy Policy
  • Contact

© 2026 RentalCalcs. All rights reserved.

Market MapKentuckyUnion

Union County

KentuckyPopulation: 13,495
77
/100
Strong Buy
#20 of 1,000 counties
#1 in Kentucky (120 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated January 1, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$130,435
Median Home Price
44% below national median
$7,745/mo
Est. Rent
Based on regional data
5.94%
Rent-to-Price Ratio
Estimated from price data
+$0
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score
77/100
77
Cash Flow(30%)
0/100

Rent data not available for cash flow calculation.

Appreciation(25%)
82/100

Based on 9.1% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
96/100

Price-to-income ratio of 2.2x. 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

  • +Strong price appreciation (+9.1% YoY)
  • +Affordable relative to local incomes

Challenges

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

Economic Indicators

Population
13,495
Median Income
$58,260
vs $57,059 national est.
Unemployment Rate
—
Data pending
Price-to-Income
2.2x
Very affordable

Who this market fits

Best for
  • +Appreciation buyers: YoY growth is meaningfully above the long-run average
Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
CurrentUnionKY
77$130,435Est. pending—Strong Buy
NicholasKY
74$197,860Est. pending—BuyView
HancockKY
74$190,086Est. pending—BuyView
RockcastleKY
73$149,729Est. pending—BuyView
JacksonKY
73$105,661Est. pending—BuyView
McCrackenKY
72$187,133Est. pending—BuyView

The Bottom Line

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

Union County in Kentucky scores 77/100, ranking #20 of 1,000 US counties (top 3%). 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%

Related markets

Cheaper alternatives to Union

  • Jackson County, lower entry price

Head-to-head comparisons

  • Union vs Nicholas for rentals
  • Union vs Hancock for rentals
  • Union vs Rockcastle for rentals
All counties in Kentucky →

Ready to Analyze a Deal in Union?

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

Single Family1-4 unit rentals, BRRRRHouse HackOwner-occupied strategyMultifamily5+ unit properties
Explore Other Markets