Income needed to buy a home
Every county in Kentucky
In the middle county, Owen County, the typical home takes $58,668 a year. Locals can afford the typical home in 40 of 120 counties.
| County | Typical home | Monthly cost | Income needed | Local median income | For locals |
|---|---|---|---|---|---|
| Knott County | $60,095 | $452 | $19,389 | $41,761 | Room to spare |
| Letcher County | $64,327 | $493 | $21,138 | $41,793 | Comfortable |
| Breathitt County | $69,724 | $534 | $22,874 | $34,808 | Comfortable |
| Harlan County | $73,753 | $570 | $24,417 | $41,693 | Comfortable |
| Leslie County | $74,324 | $570 | $24,417 | $35,934 | Comfortable |
| Floyd County | $85,015 | $652 | $27,927 | $41,279 | Comfortable |
| Fulton County | $90,527 | $692 | $29,653 | $38,217 | Within reach |
| Bell County | $91,626 | $695 | $29,787 | $31,354 | Right at the edge |
| Pike County | $98,401 | $752 | $32,215 | $44,312 | Within reach |
| McCreary County | $101,988 | $765 | $32,784 | $33,750 | Right at the edge |
| Perry County | $101,560 | $773 | $33,122 | $42,181 | Within reach |
| Martin County | $102,530 | $776 | $33,277 | $37,042 | Within reach |
| Jackson County | $107,553 | $807 | $34,577 | $40,000 | Within reach |
| Estill County | $110,489 | $843 | $36,129 | $46,051 | Within reach |
| Clay County | $114,422 | $860 | $36,859 | $40,900 | Within reach |
| Lewis County | $114,705 | $863 | $36,991 | $46,838 | Within reach |
| Magoffin County | $119,773 | $891 | $38,176 | $33,080 | A stretch |
| Muhlenberg County | $124,702 | $948 | $40,620 | $51,927 | Within reach |
| Menifee County | $129,347 | $968 | $41,477 | $45,096 | Right at the edge |
| Owsley County | $128,859 | $979 | $41,938 | $22,188 | Far off |
| Morgan County | $132,403 | $1,000 | $42,859 | $47,913 | Within reach |
| Hickman County | $132,529 | $1,002 | $42,957 | $60,867 | Comfortable |
| Crittenden County | $135,130 | $1,013 | $43,433 | $46,656 | Right at the edge |
| Knox County | $135,312 | $1,023 | $43,844 | $32,527 | A stretch |
| Lee County | $132,146 | $1,023 | $43,852 | $37,568 | A stretch |
| Trigg County | $136,204 | $1,040 | $44,557 | $59,857 | Within reach |
| Boyd County | $135,353 | $1,052 | $45,066 | $61,118 | Within reach |
| Rockcastle County | $140,441 | $1,055 | $45,210 | $48,862 | Right at the edge |
| Wolfe County | $143,902 | $1,067 | $45,734 | $30,417 | Far off |
| Carlisle County | $142,471 | $1,073 | $45,996 | $62,439 | Within reach |
| Whitley County | $142,022 | $1,077 | $46,171 | $44,615 | Right at the edge |
| Ballard County | $140,757 | $1,078 | $46,182 | $66,164 | Comfortable |
| Johnson County | $142,373 | $1,079 | $46,239 | $44,904 | Right at the edge |
| Webster County | $142,029 | $1,089 | $46,685 | $59,628 | Within reach |
| Ohio County | $144,369 | $1,096 | $46,975 | $57,798 | Within reach |
| Monroe County | $146,589 | $1,110 | $47,588 | $51,280 | Right at the edge |
| Union County | $143,758 | $1,117 | $47,865 | $60,327 | Within reach |
| Hopkins County | $145,102 | $1,120 | $47,991 | $56,815 | Within reach |
| Caldwell County | $149,255 | $1,125 | $48,224 | $59,583 | Within reach |
| Clinton County | $151,907 | $1,132 | $48,522 | $44,844 | Right at the edge |
| Powell County | $151,970 | $1,143 | $48,971 | $40,309 | A stretch |
| Lawrence County | $150,810 | $1,148 | $49,216 | $46,772 | Right at the edge |
| Elliott County | $154,365 | $1,161 | $49,754 | $45,776 | Right at the edge |
| Carter County | $155,617 | $1,164 | $49,879 | $51,235 | Right at the edge |
| Livingston County | $154,423 | $1,167 | $50,004 | $58,984 | Within reach |
| Russell County | $155,083 | $1,167 | $50,018 | $44,738 | A stretch |
| Cumberland County | $156,215 | $1,177 | $50,445 | $40,000 | A stretch |
| Grayson County | $156,564 | $1,178 | $50,479 | $50,757 | Right at the edge |
| McLean County | $160,743 | $1,230 | $52,728 | $65,596 | Within reach |
| Casey County | $164,007 | $1,239 | $53,096 | $45,510 | A stretch |
| Adair County | $164,492 | $1,246 | $53,411 | $53,553 | Right at the edge |
| Greenup County | $158,133 | $1,248 | $53,492 | $60,751 | Within reach |
| Wayne County | $169,835 | $1,278 | $54,758 | $45,739 | A stretch |
| Graves County | $170,617 | $1,295 | $55,516 | $50,772 | Right at the edge |
| Breckinridge County | $173,638 | $1,313 | $56,251 | $55,843 | Right at the edge |
| Butler County | $175,596 | $1,321 | $56,609 | $56,092 | Right at the edge |
| Mason County | $174,839 | $1,335 | $57,220 | $52,178 | Right at the edge |
| Metcalfe County | $179,510 | $1,351 | $57,916 | $51,473 | A stretch |
| Green County | $188,258 | $1,364 | $58,445 | $46,798 | A stretch |
| Laurel County | $181,431 | $1,364 | $58,458 | $57,771 | Right at the edge |
| Owen County | $179,145 | $1,369 | $58,668 | $61,134 | Right at the edge |
| Lyon County | $181,410 | $1,375 | $58,924 | $65,066 | Within reach |
| Calloway County | $181,336 | $1,381 | $59,172 | $52,706 | A stretch |
| Pulaski County | $184,188 | $1,386 | $59,392 | $51,898 | A stretch |
| Fleming County | $183,140 | $1,389 | $59,519 | $49,307 | A stretch |
| Bath County | $184,594 | $1,398 | $59,905 | $56,541 | Right at the edge |
| Rowan County | $191,517 | $1,450 | $62,159 | $54,321 | A stretch |
| Carroll County | $191,237 | $1,458 | $62,505 | $56,466 | Right at the edge |
| Edmonson County | $194,384 | $1,463 | $62,715 | $54,937 | A stretch |
| Hart County | $192,610 | $1,477 | $63,312 | $52,285 | A stretch |
| McCracken County | $195,648 | $1,518 | $65,072 | $64,373 | Right at the edge |
| Logan County | $198,569 | $1,519 | $65,086 | $60,382 | Right at the edge |
| Robertson County | $204,451 | $1,519 | $65,115 | $51,830 | A stretch |
| Lincoln County | $199,621 | $1,526 | $65,388 | $52,440 | A stretch |
| Christian County | $202,520 | $1,539 | $65,962 | $55,494 | A stretch |
| Marshall County | $202,183 | $1,550 | $66,422 | $65,831 | Right at the edge |
| Nicholas County | $206,283 | $1,554 | $66,598 | $59,531 | A stretch |
| Hancock County | $204,283 | $1,564 | $67,010 | $65,464 | Right at the edge |
| Bracken County | $204,758 | $1,580 | $67,714 | $66,319 | Right at the edge |
| Allen County | $208,625 | $1,582 | $67,816 | $61,403 | Right at the edge |
| Henderson County | $204,687 | $1,601 | $68,619 | $58,851 | A stretch |
| Gallatin County | $208,291 | $1,604 | $68,741 | $63,346 | Right at the edge |
| Barren County | $215,825 | $1,640 | $70,272 | $50,628 | A stretch |
| Taylor County | $216,991 | $1,653 | $70,830 | $60,456 | A stretch |
| Todd County | $223,585 | $1,692 | $72,527 | $61,103 | A stretch |
| Larue County | $223,268 | $1,695 | $72,624 | $67,067 | Right at the edge |
| Daviess County | $220,150 | $1,713 | $73,418 | $68,214 | Right at the edge |
| Montgomery County | $226,774 | $1,753 | $75,116 | $56,396 | A stretch |
| Pendleton County | $233,962 | $1,790 | $76,729 | $64,669 | A stretch |
| Marion County | $239,169 | $1,819 | $77,975 | $59,627 | A stretch |
| Trimble County | $242,304 | $1,835 | $78,625 | $66,027 | A stretch |
| Harrison County | $246,038 | $1,852 | $79,362 | $66,442 | A stretch |
| Boyle County | $241,363 | $1,868 | $80,052 | $61,159 | A stretch |
| Hardin County | $245,222 | $1,871 | $80,202 | $67,647 | A stretch |
| Mercer County | $243,242 | $1,876 | $80,380 | $64,824 | A stretch |
| Franklin County | $249,436 | $1,923 | $82,427 | $65,298 | A stretch |
| Garrard County | $254,124 | $1,930 | $82,724 | $63,087 | A stretch |
| Henry County | $250,318 | $1,932 | $82,799 | $63,347 | A stretch |
| Washington County | $255,280 | $1,938 | $83,073 | $61,616 | A stretch |
| Simpson County | $254,675 | $1,939 | $83,112 | $59,858 | A stretch |
| Bourbon County | $258,581 | $1,960 | $84,018 | $61,354 | A stretch |
| Clark County | $255,986 | $1,980 | $84,857 | $64,348 | A stretch |
| Anderson County | $265,086 | $2,042 | $87,523 | $74,488 | A stretch |
| Nelson County | $266,104 | $2,056 | $88,106 | $69,562 | A stretch |
| Jefferson County | $265,923 | $2,078 | $89,072 | $69,866 | A stretch |
| Grant County | $277,041 | $2,122 | $90,956 | $69,178 | A stretch |
| Meade County | $283,395 | $2,170 | $92,991 | $74,355 | A stretch |
| Warren County | $286,475 | $2,185 | $93,633 | $65,794 | A stretch |
| Madison County | $285,263 | $2,196 | $94,124 | $63,351 | Far off |
| Kenton County | $287,730 | $2,276 | $97,527 | $80,548 | A stretch |
| Bullitt County | $296,302 | $2,314 | $99,152 | $80,558 | A stretch |
| Campbell County | $296,955 | $2,371 | $101,630 | $77,567 | A stretch |
| Shelby County | $326,569 | $2,520 | $108,021 | $82,604 | A stretch |
| Jessamine County | $327,671 | $2,527 | $108,315 | $74,576 | Far off |
| Fayette County | $332,844 | $2,597 | $111,309 | $69,479 | Far off |
| Scott County | $343,777 | $2,619 | $112,252 | $85,158 | A stretch |
| Boone County | $348,126 | $2,718 | $116,494 | $99,414 | A stretch |
| Woodford County | $354,986 | $2,722 | $116,647 | $83,788 | A stretch |
| Spencer County | $376,227 | $2,877 | $123,318 | $102,618 | A stretch |
| Oldham County | $451,370 | $3,554 | $152,300 | $122,497 | A stretch |
10% down, 7.40% 30-year fixed, housing at 28% of gross income. How it works.