Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Kentucky
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Kentucky ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Breathitt County | 50.8% | $340 | $670 |
| 2 | Letcher County | 49.1% | $363 | $740 |
| 3 | Harlan County | 48.8% | $372 | $762 |
| 4 | Wolfe County | 48.6% | $335 | $690 |
| 5 | Leslie County | 47.5% | $358 | $753 |
| 6 | Knott County | 47.4% | $359 | $757 |
| 7 | McCreary County | 47.0% | $364 | $775 |
| 8 | Fulton County | 46.7% | $366 | $783 |
| 9 | Lee County | 46.6% | $382 | $820 |
| 10 | Owsley County | 46.3% | $368 | $795 |
| 11 | Bell County | 46.0% | $377 | $820 |
| 12 | Martin County | 45.8% | $383 | $836 |
| 13 | Magoffin County | 45.0% | $386 | $858 |
| 14 | Lewis County | 45.0% | $376 | $836 |
| 15 | Clay County | 45.0% | $381 | $847 |
| 16 | Webster County | 44.9% | $425 | $946 |
| 17 | Hickman County | 44.9% | $401 | $894 |
| 18 | Perry County | 44.7% | $391 | $875 |
| 19 | Floyd County | 44.4% | $397 | $896 |
| 20 | Elliott County | 43.5% | $401 | $921 |
| 21 | Carlisle County | 43.4% | $429 | $988 |
| 22 | Metcalfe County | 43.0% | $415 | $965 |
| 23 | Pike County | 42.9% | $417 | $974 |
| 24 | Morgan County | 42.8% | $424 | $989 |
| 25 | Bracken County | 42.6% | $462 | $1,083 |
| 26 | Union County | 42.6% | $432 | $1,014 |
| 27 | Knox County | 42.3% | $428 | $1,011 |
| 28 | Lawrence County | 42.2% | $421 | $998 |
| 29 | Jackson County | 42.1% | $415 | $986 |
| 30 | Bath County | 42.0% | $433 | $1,030 |
| 31 | Boyd County | 41.9% | $487 | $1,161 |
| 32 | Butler County | 41.9% | $405 | $969 |
| 33 | Estill County | 41.8% | $429 | $1,027 |
| 34 | Monroe County | 41.7% | $445 | $1,066 |
| 35 | Fleming County | 41.6% | $438 | $1,053 |
| 36 | Ohio County | 41.2% | $425 | $1,030 |
| 37 | Greenup County | 41.0% | $503 | $1,225 |
| 38 | Livingston County | 41.0% | $432 | $1,052 |
| 39 | Hopkins County | 40.9% | $476 | $1,163 |
| 40 | Hart County | 40.9% | $460 | $1,125 |
| 41 | Muhlenberg County | 40.9% | $448 | $1,095 |
| 42 | Menifee County | 40.8% | $411 | $1,006 |
| 43 | Clinton County | 40.8% | $420 | $1,028 |
| 44 | Green County | 40.8% | $437 | $1,072 |
| 45 | Whitley County | 40.7% | $443 | $1,086 |
| 46 | Caldwell County | 40.7% | $416 | $1,022 |
| 47 | Crittenden County | 40.7% | $424 | $1,042 |
| 48 | Robertson County | 40.5% | $449 | $1,108 |
| 49 | Ballard County | 40.5% | $482 | $1,192 |
| 50 | Carroll County | 40.5% | $471 | $1,164 |
| 51 | Nicholas County | 40.3% | $432 | $1,070 |
| 52 | Johnson County | 40.2% | $450 | $1,119 |
| 53 | Wayne County | 40.2% | $437 | $1,086 |
| 54 | Rockcastle County | 39.9% | $423 | $1,059 |
| 55 | Cumberland County | 39.7% | $453 | $1,139 |
| 56 | Adair County | 39.6% | $473 | $1,192 |
| 57 | Lincoln County | 39.6% | $487 | $1,231 |
| 58 | Hancock County | 39.4% | $478 | $1,212 |
| 59 | Carter County | 39.3% | $436 | $1,109 |
| 60 | Graves County | 39.2% | $479 | $1,221 |
| 61 | Casey County | 39.1% | $465 | $1,189 |
| 62 | Edmonson County | 38.9% | $465 | $1,194 |
| 63 | McLean County | 38.8% | $493 | $1,270 |
| 64 | Christian County | 38.8% | $504 | $1,301 |
| 65 | Henderson County | 38.7% | $559 | $1,444 |
| 66 | Breckinridge County | 38.7% | $476 | $1,231 |
| 67 | Powell County | 38.5% | $475 | $1,235 |
| 68 | Laurel County | 38.4% | $478 | $1,243 |
| 69 | Pendleton County | 38.4% | $535 | $1,393 |
| 70 | Marion County | 38.1% | $522 | $1,369 |
| 71 | Gallatin County | 38.1% | $557 | $1,461 |
| 72 | Russell County | 38.1% | $487 | $1,278 |
| 73 | Logan County | 38.1% | $497 | $1,306 |
| 74 | Montgomery County | 38.0% | $537 | $1,412 |
| 75 | Owen County | 38.0% | $539 | $1,420 |
| 76 | Pulaski County | 37.9% | $509 | $1,344 |
| 77 | Taylor County | 37.9% | $533 | $1,407 |
| 78 | Barren County | 37.8% | $540 | $1,431 |
| 79 | Mason County | 37.7% | $510 | $1,351 |
| 80 | Washington County | 37.6% | $542 | $1,440 |
| 81 | Daviess County | 37.6% | $598 | $1,590 |
| 82 | Henry County | 37.6% | $583 | $1,551 |
| 83 | Rowan County | 37.4% | $496 | $1,329 |
| 84 | Marshall County | 37.3% | $552 | $1,480 |
| 85 | Todd County | 37.3% | $499 | $1,339 |
| 86 | Mercer County | 37.2% | $600 | $1,613 |
| 87 | Trimble County | 37.2% | $545 | $1,467 |
| 88 | Grayson County | 37.1% | $505 | $1,360 |
| 89 | Campbell County | 37.1% | $739 | $1,991 |
| 90 | McCracken County | 37.0% | $573 | $1,549 |
| 91 | Kenton County | 37.0% | $712 | $1,927 |
| 92 | Franklin County | 37.0% | $622 | $1,683 |
| 93 | Boyle County | 37.0% | $628 | $1,699 |
| 94 | Grant County | 36.8% | $576 | $1,567 |
| 95 | Garrard County | 36.7% | $578 | $1,576 |
| 96 | Calloway County | 36.7% | $560 | $1,528 |
| 97 | Larue County | 36.6% | $547 | $1,495 |
| 98 | Harrison County | 36.4% | $576 | $1,585 |
| 99 | Clark County | 36.3% | $602 | $1,659 |
| 100 | Meade County | 36.3% | $593 | $1,634 |
| 101 | Allen County | 36.2% | $533 | $1,474 |
| 102 | Anderson County | 36.1% | $644 | $1,782 |
| 103 | Bourbon County | 35.8% | $631 | $1,760 |
| 104 | Bullitt County | 35.8% | $696 | $1,944 |
| 105 | Hardin County | 35.8% | $613 | $1,713 |
| 106 | Lyon County | 35.8% | $547 | $1,527 |
| 107 | Simpson County | 35.8% | $582 | $1,627 |
| 108 | Nelson County | 35.7% | $666 | $1,862 |
| 109 | Jefferson County | 35.7% | $704 | $1,970 |
| 110 | Boone County | 35.6% | $746 | $2,098 |
| 111 | Madison County | 35.5% | $648 | $1,827 |
| 112 | Trigg County | 35.4% | $562 | $1,587 |
| 113 | Fayette County | 35.1% | $784 | $2,237 |
| 114 | Jessamine County | 35.0% | $703 | $2,012 |
| 115 | Shelby County | 34.4% | $777 | $2,259 |
| 116 | Warren County | 34.2% | $672 | $1,967 |
| 117 | Woodford County | 34.1% | $747 | $2,191 |
| 118 | Scott County | 33.8% | $722 | $2,132 |
| 119 | Oldham County | 33.5% | $1,010 | $3,012 |
| 120 | Spencer County | 33.3% | $794 | $2,382 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Kentucky