Location: Robertson County, KY | Metro: Cincinnati, OH-KY-IN HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $770 |
| 1 Bedroom | $830 |
| 2 Bedrooms | $1,060 |
| 3 Bedrooms | $1,390 |
| 4 Bedrooms | $1,570 |
| 5 Bedrooms | $1,821 |
| 6 Bedrooms | $2,040 |
| 7 Bedrooms | $2,203 |
| 8 Bedrooms | $2,313 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,060 | $174,384 | 0.61% | D |
| 3BR | $1,390 | $211,199 | 0.66% | D |
| 4BR | $1,570 | $261,829 | 0.6% | F |
U.S. Census Bureau data (2024)
ZIP 41004, located in Brooksville, KY, within the Robertson County, KY metro area, serves as an ideal cash-flow anchor for a Section 8 portfolio strategy. The Federal Market Rent (FMR) for ZIP 41004 in fiscal year 2024 is set at $990, significantly higher than the current market rent of $788. This creates a strong positive spread of $202 per unit, ensuring that landlords can maintain steady cash flow even when dealing with the slightly lower reimbursement rates associated with Section 8 properties.
The median home value in ZIP 41004 stands at $203,546, which is relatively low compared to other areas. This makes it easier for landlords to acquire properties at a reasonable cost, thereby maximizing their return on investment through rental income. The positive cash flow from the $202 spread ensures that landlords can cover all operational costs, including property management, maintenance, and repairs, while still generating profit.
While ZIP 41004 does not offer significant appreciation potential, evidenced by the lack of price-cut share and days on market (DOM) data, it excels as a stable cash-flow generator. The low market rent combined with the higher FMR provides a cushion against potential decreases in rental demand. Additionally, the 18.3% renter share indicates a moderate demand for rental properties, suggesting that there is a sufficient number of tenants who might qualify for Section 8 housing assistance.
The median income of $66,176 further supports the viability of Section 8 in this ZIP code. It suggests that a portion of the population may require government assistance to afford housing, aligning well with the objectives of the Section 8 program. Landlords should note that the low median home value also means that the potential for capital appreciation is limited, making this ZIP code particularly suitable for those focused on rental income stability rather than property value growth.
In summary, ZIP 41004 acts as a reliable cash-flow anchor due to the favorable spread between the FMR and market rent, and the moderate demand for rental housing. It is best suited for investors looking to secure consistent returns without relying on property value appreciation.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.