Real Estate Investment Properties for Sale in Monticello, KY

Looking for investment property in Monticello, KY with high ROI ?

Explore a variety of short-term homes & houses in Monticello, KY. Invest wisely with VRBO & Monticello, KY Airbnb properties available for purchase. Find your ideal investment property among our curated listings for a rewarding real estate venture.

Investment Property for Sale in Monticello, KY

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PROPERTY	DETAILS	SALE PRICE	INVESTMENT PERFORMANCE
930 Shaw Valley Road Monticello, KY Charming Homestead on 3.8 Acres near Lake Cumberland! Come see the perfect blend of comfor...	3 beds \| 2 baths \| 1,792 sq.ft.	$284,900	Airbnb cash on cash: 1.32% Traditional cash on cash: 4.45% Airbnb Rental Income: $1360 Traditional Rental Income: $1785 Airbnb ROI: 1.32% Traditional ROI: 4.45%
112 Byrd Lane Monticello, KY Spectacular wooded, secluded home on 8.95 acres! If you are looking for a tranquil setting...	2 beds \| 1 baths \| 1,278 sq.ft.	$249,900	Airbnb cash on cash: 0.1% Traditional cash on cash: 4.53% Airbnb Rental Income: $892 Traditional Rental Income: $1599 Airbnb ROI: 0.1% Traditional ROI: 4.53%
35 Guinn Drive Monticello, KY NEW ROOF! Discover the perfect blend of comfort and convenience in this gorgeous brick hom...	4 beds \| 3 baths \| 3,416 sq.ft.	$394,000	Airbnb cash on cash: 2.87% Traditional cash on cash: 5.07% Airbnb Rental Income: $2434 Traditional Rental Income: $2650 Airbnb ROI: 2.87% Traditional ROI: 5.07%
80 Sunset Vista Way Monticello, KY Unparalleled custom lake view home overlooking the main lake. One, of if not THE best view...	4 beds \| N/A baths \| 4,504 sq.ft.	$749,900	Airbnb cash on cash: 0.64% Traditional cash on cash: 1.89% Airbnb Rental Income: $2434 Traditional Rental Income: $2713 Airbnb ROI: 0.64% Traditional ROI: 1.89%
607 Old Lock 21 Road Monticello, KY Spacious 3 bedroom, 3 bath Home with lake view and boat slip. Located on a scenic road wit...	3 beds \| 3 baths \| 3,402 sq.ft.	$395,000	Airbnb cash on cash: 0.45% Traditional cash on cash: 4.98% Airbnb Rental Income: $1360 Traditional Rental Income: $2625 Airbnb ROI: 0.45% Traditional ROI: 4.98%
34 Webster Drive Monticello, KY Welcome to this classic 3 bedroom, 2 bath brick ranch-style home offering 1,581 sq. ft. of...	3 beds \| 2 baths \| 1,581 sq.ft.	$189,000	Airbnb cash on cash: 3.33% Traditional cash on cash: 8.47% Airbnb Rental Income: $1360 Traditional Rental Income: $1868 Airbnb ROI: 3.33% Traditional ROI: 8.47%
81 Eagles Bluff Road Monticello, KY LAKE LOVERS! Welcome to your perfect retreat near Lake Cumberland! This immaculate A- fram...	2 beds \| 2 baths \| 1,152 sq.ft.	$350,000	Airbnb cash on cash: -0.45% Traditional cash on cash: 3.25% Airbnb Rental Income: $892 Traditional Rental Income: $1772 Airbnb ROI: -0.45% Traditional ROI: 3.25%
139 Golden Pond Road Monticello, KY Escape to your private wooded retreat with this charming log cabin and cozy guest house, n...	4 beds \| 3 baths \| 1,499 sq.ft.	$369,900	Airbnb cash on cash: 3.18% Traditional cash on cash: 3.49% Airbnb Rental Income: $2434 Traditional Rental Income: $1948 Airbnb ROI: 3.18% Traditional ROI: 3.49%
174 Wade Park Drive Monticello, KY ATTENTION SHORT TERM RENTAL SEEKERS! Property is furnished and ready to begin renting!...	3 beds \| 2 baths \| 1,638 sq.ft.	$249,900	Airbnb cash on cash: 1.76% Traditional cash on cash: 5.66% Airbnb Rental Income: $1360 Traditional Rental Income: $1866 Airbnb ROI: 1.76% Traditional ROI: 5.66%
641 Webster Spradlin Road Monticello, KY Looking for a getaway on the beautiful Lake Cumberland? Check out this fully furnished Coz...	2 beds \| 1 baths \| 840 sq.ft.	$149,000	Airbnb cash on cash: 1.38% Traditional cash on cash: 5.83% Airbnb Rental Income: $892 Traditional Rental Income: $1189 Airbnb ROI: 1.38% Traditional ROI: 5.83%
38 Wells Court Monticello, KY Looking for an affordable home that is close to Downtown Monticello, Wayne Co Park, Medica...	3 beds \| 1 baths \| 1,081 sq.ft.	$164,000	Airbnb cash on cash: 3.59% Traditional cash on cash: 6.04% Airbnb Rental Income: $1360 Traditional Rental Income: $1329 Airbnb ROI: 3.59% Traditional ROI: 6.04%
1115 Highway 167 Monticello, KY This delightful listing presents a charming home. Featuring a barn and silo, along with an...	3 beds \| 2 baths \| 1,614 sq.ft.	$184,900	Airbnb cash on cash: 3.78% Traditional cash on cash: 8.94% Airbnb Rental Income: $1360 Traditional Rental Income: $1852 Airbnb ROI: 3.78% Traditional ROI: 8.94%
177 Gregory Branch Road Monticello, KY Charming 1,900 Sq Ft Home on 10 Acres - A Nature Lover's Paradise! Escape to the serenity ...	4 beds \| 2 baths \| 1,900 sq.ft.	$207,000	Airbnb cash on cash: 7.05% Traditional cash on cash: 7.39% Airbnb Rental Income: $2434 Traditional Rental Income: $1907 Airbnb ROI: 7.05% Traditional ROI: 7.39%
726 N Main Street Monticello, KY Ceiling to Floor Remodel!! This Custom built 3 Bedrooms 2.5 Bathrooms , Eat in Kitchen, La...	3 beds \| N/A baths \| 2,560 sq.ft.	$525,000	Airbnb cash on cash: -0.12% Traditional cash on cash: 2.97% Airbnb Rental Income: $1360 Traditional Rental Income: $2458 Airbnb ROI: -0.12% Traditional ROI: 2.97%
500 SW Beaver Lodge Rd Monticello, KY Perfect Vacation Getaway - Fully Furnished & Ready to Enjoy! Welcome to your ideal lakesid...	2 beds \| 1 baths \| 1,120 sq.ft.	$219,000	Airbnb cash on cash: 0.86% Traditional cash on cash: 5.91% Airbnb Rental Income: $892 Traditional Rental Income: $1600 Airbnb ROI: 0.86% Traditional ROI: 5.91%
99 Silverdust Circle Monticello, KY Charming home located in well established Grazeland Subdivision. Home is located 3 to 4 mi...	4 beds \| N/A baths \| 4,800 sq.ft.	$470,000	Airbnb cash on cash: 2.46% Traditional cash on cash: 8.15% Airbnb Rental Income: $2434 Traditional Rental Income: $4345 Airbnb ROI: 2.46% Traditional ROI: 8.15%
175 Golden Pond Road Monticello, KY This remarkable duplex in Golden Pond Resort offers proven short-term rental income (renta...	8 beds \| 4 baths \| 2,688 sq.ft.	$389,000	Airbnb cash on cash: 7.52% Traditional cash on cash: 6.42% Airbnb Rental Income: $4440 Traditional Rental Income: $3113 Airbnb ROI: 7.52% Traditional ROI: 6.42%
398 Auction Street Monticello, KY If you're looking for privacy and seclusion without being far from town, this could be the...	4 beds \| N/A baths \| 3,416 sq.ft.	$290,000	Airbnb cash on cash: 4.93% Traditional cash on cash: 10.64% Airbnb Rental Income: $2434 Traditional Rental Income: $3398 Airbnb ROI: 4.93% Traditional ROI: 10.64%
1224 Green Hill Estates Road Monticello, KY Experience lakeside living at its finest in this stunning 4-bedroom and 3 -bath brick and ...	4 beds \| N/A baths \| 3,458 sq.ft.	$519,900	Airbnb cash on cash: 2.08% Traditional cash on cash: 3.46% Airbnb Rental Income: $2434 Traditional Rental Income: $2511 Airbnb ROI: 2.08% Traditional ROI: 3.46%
463 Indian Cave Subdivision Monticello, KY Welcome to your dream home! This stunning custom built brick home offers spacious living w...	5 beds \| N/A baths \| 4,244 sq.ft.	$449,000	Airbnb cash on cash: 6.54% Traditional cash on cash: 6.29% Airbnb Rental Income: $4440 Traditional Rental Income: $3406 Airbnb ROI: 6.54% Traditional ROI: 6.29%
109 Betsey Lane Monticello, KY Welcome to this charming home nestled in a serene country setting, just 15 minutes from th...	3 beds \| 1 baths \| 1,064 sq.ft.	$199,000	Airbnb cash on cash: 2.65% Traditional cash on cash: 5.32% Airbnb Rental Income: $1360 Traditional Rental Income: $1449 Airbnb ROI: 2.65% Traditional ROI: 5.32%
1145 Ramsey Point Road Monticello, KY This beautifully updated, move-in ready 3bed, 2 bath home comes fully furnished, so all yo...	3 beds \| 2 baths \| 1,352 sq.ft.	$220,000	Airbnb cash on cash: 2.73% Traditional cash on cash: 6.14% Airbnb Rental Income: $1360 Traditional Rental Income: $1654 Airbnb ROI: 2.73% Traditional ROI: 6.14%
470 Cedar Bluff Road Monticello, KY Super cool 20X30 sq ft Fisherman's special, vacation spot sitting on two lots! Nice Easter...	1 beds \| 1 baths \| 792 sq.ft.	$149,900	Airbnb cash on cash: 2.11% Traditional cash on cash: 8.98% Airbnb Rental Income: $896 Traditional Rental Income: $1544 Airbnb ROI: 2.11% Traditional ROI: 8.98%
119 Hill Drive Monticello, KY Adorable Yoder log cabin located in a desirable lake community on Cumberland Ridge! This c...	2 beds \| 1 baths \| 822 sq.ft.	$139,900	Airbnb cash on cash: 2.39% Traditional cash on cash: 7.81% Airbnb Rental Income: $892 Traditional Rental Income: $1282 Airbnb ROI: 2.39% Traditional ROI: 7.81%
137 Indian Cave Subdivision Monticello, KY This is not just a beautiful brick home on 8 acres, it's a small estate. This stately two ...	5 beds \| N/A baths \| 5,678 sq.ft.	$699,900	Airbnb cash on cash: 4.02% Traditional cash on cash: 6% Airbnb Rental Income: $4440 Traditional Rental Income: $4806 Airbnb ROI: 4.02% Traditional ROI: 6%
1034 Duncan Valley Road Monticello, KY Due to no fault of its own, this property is back on the market. Looking for a property th...	2 beds \| 1 baths \| 936 sq.ft.	$144,000	Airbnb cash on cash: 1.49% Traditional cash on cash: 5.91% Airbnb Rental Income: $892 Traditional Rental Income: $1164 Airbnb ROI: 1.49% Traditional ROI: 5.91%
1636 Green Hill Estates Road Monticello, KY MOTIVATED SELLER - Says make an offer on this AIRBNB or full time living for this year rou...	5 beds \| N/A baths \| 3,848 sq.ft.	$525,000	Airbnb cash on cash: 5.73% Traditional cash on cash: 5.7% Airbnb Rental Income: $4440 Traditional Rental Income: $3497 Airbnb ROI: 5.73% Traditional ROI: 5.7%
202 Willa Drive Monticello, KY Charming 3-Bedroom Home Minutes from Beaver Creek Resort! This beautifully maintained, new...	3 beds \| 2 baths \| 1,296 sq.ft.	$229,900	Airbnb cash on cash: 2.56% Traditional cash on cash: 5.48% Airbnb Rental Income: $1360 Traditional Rental Income: $1580 Airbnb ROI: 2.56% Traditional ROI: 5.48%
2 Lighthouse Road Monticello, KY Lake Lovers! Lot 2 Lighthouse Road, nestled in the Mill Springs Area of Monticello, is a b...	2 beds \| 2 baths \| 1,008 sq.ft.	$269,900	Airbnb cash on cash: -0.04% Traditional cash on cash: 4.8% Airbnb Rental Income: $892 Traditional Rental Income: $1785 Airbnb ROI: -0.04% Traditional ROI: 4.8%
43 Farmington Ave Monticello, KY Beautifully well-maintained brick home, conveniently located between Somerset and Monticel...	3 beds \| 2 baths \| 1,990 sq.ft.	$329,000	Airbnb cash on cash: 0.8% Traditional cash on cash: 4.82% Airbnb Rental Income: $1360 Traditional Rental Income: $2187 Airbnb ROI: 0.8% Traditional ROI: 4.82%
299 Mercer Drive Monticello, KY Welcome to this absolute dollhouse! This charming home offers 3 bedrooms and 2 bathrooms, ...	3 beds \| 2 baths \| 1,526 sq.ft.	$199,900	Airbnb cash on cash: 3.08% Traditional cash on cash: 7.4% Airbnb Rental Income: $1360 Traditional Rental Income: $1764 Airbnb ROI: 3.08% Traditional ROI: 7.4%
202 Peaceful Cove Lane Monticello, KY Discover the potential of this rare lakefront gem nestled on 5+/- private acres with over ...	2 beds \| 2 baths \| 2,996 sq.ft.	$399,900	Airbnb cash on cash: -0.53% Traditional cash on cash: 3.03% Airbnb Rental Income: $892 Traditional Rental Income: $1887 Airbnb ROI: -0.53% Traditional ROI: 3.03%
1560 Bell Phipps Road Monticello, KY Square footage, garage and room count include primary residence and guest house. Guest hou...	4 beds \| N/A baths \| 2,177 sq.ft.	$595,000	Airbnb cash on cash: 1.9% Traditional cash on cash: 2.28% Airbnb Rental Income: $2434 Traditional Rental Income: $2051 Airbnb ROI: 1.9% Traditional ROI: 2.28%
504 S 1808 Highway Monticello, KY This brick ranch style home boasts two bedrooms, living room, kitchen, large dining room, ...	2 beds \| 1 baths \| 1,800 sq.ft.	$145,900	Airbnb cash on cash: 2.1% Traditional cash on cash: 7.34% Airbnb Rental Income: $892 Traditional Rental Income: $1287 Airbnb ROI: 2.1% Traditional ROI: 7.34%
25 Cart Bell Lane Monticello, KY Rustic off-grid cabin tucked away on 2.89 +/-mostly wooded acres, just minutes from multip...	1 beds \| N/A baths \| 120 sq.ft.	$79,000	Airbnb cash on cash: 4.65% Traditional cash on cash: 10.54% Airbnb Rental Income: $896 Traditional Rental Income: $1016 Airbnb ROI: 4.65% Traditional ROI: 10.54%
8459 KY-90 Monticello, KY Charming 3-Bedroom Home on 1.55 Acres- Prime Location Near Conley Bottom Marina on beautif...	3 beds \| 1 baths \| 1,591 sq.ft.	$149,900	Airbnb cash on cash: 4.57% Traditional cash on cash: 8.78% Airbnb Rental Income: $1360 Traditional Rental Income: $1549 Airbnb ROI: 4.57% Traditional ROI: 8.78%
8 Gehring Way Monticello, KY Welcome to your dream retreat! This beautifully custom-built 4-bedroom, 2-bathroom home si...	4 beds \| 2 baths \| 1,836 sq.ft.	$399,000	Airbnb cash on cash: 3.28% Traditional cash on cash: 4.1% Airbnb Rental Income: $2434 Traditional Rental Income: $2147 Airbnb ROI: 3.28% Traditional ROI: 4.1%
96 Big Beech Lane Monticello, KY Situated on one of Cumberland Ridge's most private lots very close to the lake you will fi...	3 beds \| 2 baths \| 1,260 sq.ft.	$249,900	Airbnb cash on cash: 2.38% Traditional cash on cash: 5.98% Airbnb Rental Income: $1360 Traditional Rental Income: $1794 Airbnb ROI: 2.38% Traditional ROI: 5.98%
135 Mary Linda Drive Monticello, KY Looking for a one level home that is located in Monticello, then call today to take a look...	3 beds \| 1 baths \| 1,189 sq.ft.	$169,000	Airbnb cash on cash: 4.08% Traditional cash on cash: 7.43% Airbnb Rental Income: $1360 Traditional Rental Income: $1485 Airbnb ROI: 4.08% Traditional ROI: 7.43%
469 Mercer Drive Monticello, KY Welcome to this beautifully remodeled 4 bedroom, 2 bath brick home offering 1,424 sq. ft. ...	4 beds \| 2 baths \| 1,424 sq.ft.	$195,000	Airbnb cash on cash: 7.58% Traditional cash on cash: 7.78% Airbnb Rental Income: $2434 Traditional Rental Income: $1878 Airbnb ROI: 7.58% Traditional ROI: 7.78%

Real Estate investment in Monticello, KY

There are 59 properties for sale in the city of Monticello . The median list price in Monticello is $229,000 and the average price per square foot is $117. In November 2025, the average monthly cash on cash return in Monticello is 6.00%. The average monthly rental income in Monticello is $1,818.

Monticello, KY Real Estate Investing: FAQs for Buyers, Sellers and Investors

There are 59 investment properties available for sale in Monticello.

In 2025, the best neighborhood to buy investment property is Monticello.

The ROI for Long-Term is higher than the Short-Term in Monticello with average rental income of $1,818.

Your search for investment property begins and ends here

Investment Property for Sale in Monticello, KY

930 Shaw Valley Road

Monticello, KY

3 beds | 2 baths | 1,792 sq.ft.

$284,900

Airbnb cash on cash: 1.32%

Traditional cash on cash: 4.45%

Airbnb Rental Income: $1360

Traditional Rental Income: $1785

Airbnb ROI: 1.32%

Traditional ROI: 4.45%

112 Byrd Lane

Monticello, KY

2 beds | 1 baths | 1,278 sq.ft.

$249,900

Airbnb cash on cash: 0.1%

Traditional cash on cash: 4.53%

Airbnb Rental Income: $892

Traditional Rental Income: $1599

Airbnb ROI: 0.1%

Traditional ROI: 4.53%

35 Guinn Drive

Monticello, KY

4 beds | 3 baths | 3,416 sq.ft.

$394,000

Airbnb cash on cash: 2.87%

Traditional cash on cash: 5.07%

Airbnb Rental Income: $2434

Traditional Rental Income: $2650

Airbnb ROI: 2.87%

Traditional ROI: 5.07%

80 Sunset Vista Way

Monticello, KY

4 beds | N/A baths | 4,504 sq.ft.

$749,900

Airbnb cash on cash: 0.64%

Traditional cash on cash: 1.89%

Airbnb Rental Income: $2434

Traditional Rental Income: $2713

Airbnb ROI: 0.64%

Traditional ROI: 1.89%

607 Old Lock 21 Road

Monticello, KY

3 beds | 3 baths | 3,402 sq.ft.

$395,000

Airbnb cash on cash: 0.45%

Traditional cash on cash: 4.98%

Airbnb Rental Income: $1360

Traditional Rental Income: $2625

Airbnb ROI: 0.45%

Traditional ROI: 4.98%

34 Webster Drive

Monticello, KY

3 beds | 2 baths | 1,581 sq.ft.

$189,000

Airbnb cash on cash: 3.33%

Traditional cash on cash: 8.47%

Airbnb Rental Income: $1360

Traditional Rental Income: $1868

Airbnb ROI: 3.33%

Traditional ROI: 8.47%

81 Eagles Bluff Road

Monticello, KY

2 beds | 2 baths | 1,152 sq.ft.

$350,000

Airbnb cash on cash: -0.45%

Traditional cash on cash: 3.25%

Airbnb Rental Income: $892

Traditional Rental Income: $1772

Airbnb ROI: -0.45%

Traditional ROI: 3.25%

139 Golden Pond Road

Monticello, KY

4 beds | 3 baths | 1,499 sq.ft.

$369,900

Airbnb cash on cash: 3.18%

Traditional cash on cash: 3.49%

Airbnb Rental Income: $2434

Traditional Rental Income: $1948

Airbnb ROI: 3.18%