Ranked from ACS 2023 5-Year
Highest Salary Needed to Buy a Home in Kentucky
What a household has to earn to buy the county's own median home under the standard 28% rule, meaning housing costs at no more than 28% of gross income, counting the full monthly bill rather than just the mortgage. These are the counties where the entry ticket is steepest.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Kentucky ranked
| # | County | Income needed | Monthly to own | Median home |
|---|---|---|---|---|
| 1 | Oldham County | $129,000 | $3,012 | $375,000 |
| 2 | Spencer County | $102,000 | $2,382 | $297,600 |
| 3 | Shelby County | $97,000 | $2,259 | $277,500 |
| 4 | Fayette County | $96,000 | $2,237 | $272,100 |
| 5 | Woodford County | $94,000 | $2,191 | $270,400 |
| 6 | Scott County | $91,500 | $2,132 | $264,200 |
| 7 | Boone County | $90,000 | $2,098 | $253,200 |
| 8 | Jessamine County | $86,000 | $2,012 | $245,100 |
| 9 | Campbell County | $85,500 | $1,991 | $234,500 |
| 10 | Jefferson County | $84,500 | $1,970 | $237,200 |
| 11 | Warren County | $84,500 | $1,967 | $242,600 |
| 12 | Bullitt County | $83,500 | $1,944 | $233,700 |
| 13 | Kenton County | $82,500 | $1,927 | $227,500 |
| 14 | Nelson County | $80,000 | $1,862 | $224,100 |
| 15 | Madison County | $78,500 | $1,827 | $220,700 |
| 16 | Anderson County | $76,500 | $1,782 | $213,200 |
| 17 | Bourbon County | $75,500 | $1,760 | $211,600 |
| 18 | Hardin County | $73,500 | $1,713 | $205,900 |
| 19 | Boyle County | $73,000 | $1,699 | $200,700 |
| 20 | Franklin County | $72,000 | $1,683 | $198,700 |
| 21 | Clark County | $71,000 | $1,659 | $197,900 |
| 22 | Meade County | $70,000 | $1,634 | $195,000 |
| 23 | Simpson County | $69,500 | $1,627 | $195,700 |
| 24 | Mercer County | $69,000 | $1,613 | $189,700 |
| 25 | Daviess County | $68,000 | $1,590 | $185,800 |
| 26 | Harrison County | $68,000 | $1,585 | $188,900 |
| 27 | Trigg County | $68,000 | $1,587 | $192,000 |
| 28 | Garrard County | $67,500 | $1,576 | $186,800 |
| 29 | Grant County | $67,000 | $1,567 | $185,500 |
| 30 | Henry County | $66,500 | $1,551 | $181,300 |
| 31 | McCracken County | $66,500 | $1,549 | $182,900 |
| 32 | Calloway County | $65,500 | $1,528 | $181,200 |
| 33 | Lyon County | $65,500 | $1,527 | $183,600 |
| 34 | Larue County | $64,000 | $1,495 | $177,500 |
| 35 | Marshall County | $63,500 | $1,480 | $173,700 |
| 36 | Allen County | $63,000 | $1,474 | $176,300 |
| 37 | Trimble County | $63,000 | $1,467 | $172,700 |
| 38 | Gallatin County | $62,500 | $1,461 | $169,400 |
| 39 | Henderson County | $62,000 | $1,444 | $165,700 |
| 40 | Barren County | $61,500 | $1,431 | $166,900 |
| 41 | Washington County | $61,500 | $1,440 | $168,300 |
| 42 | Owen County | $61,000 | $1,420 | $165,000 |
| 43 | Montgomery County | $60,500 | $1,412 | $163,800 |
| 44 | Taylor County | $60,500 | $1,407 | $163,700 |
| 45 | Pendleton County | $59,500 | $1,393 | $160,800 |
| 46 | Grayson County | $58,500 | $1,360 | $160,100 |
| 47 | Marion County | $58,500 | $1,369 | $158,700 |
| 48 | Mason County | $58,000 | $1,351 | $157,500 |
| 49 | Pulaski County | $57,500 | $1,344 | $156,300 |
| 50 | Todd County | $57,500 | $1,339 | $157,400 |
| 51 | Rowan County | $57,000 | $1,329 | $155,900 |
| 52 | Logan County | $56,000 | $1,306 | $151,500 |
| 53 | Christian County | $55,500 | $1,301 | $149,200 |
| 54 | Russell County | $55,000 | $1,278 | $148,200 |
| 55 | McLean County | $54,500 | $1,270 | $145,600 |
| 56 | Laurel County | $53,500 | $1,243 | $143,400 |
| 57 | Breckinridge County | $53,000 | $1,231 | $141,400 |
| 58 | Powell County | $53,000 | $1,235 | $142,400 |
| 59 | Graves County | $52,500 | $1,221 | $139,000 |
| 60 | Greenup County | $52,500 | $1,225 | $135,300 |
| 61 | Lincoln County | $52,500 | $1,231 | $139,300 |
| 62 | Hancock County | $52,000 | $1,212 | $137,600 |
| 63 | Adair County | $51,000 | $1,192 | $134,800 |
| 64 | Ballard County | $51,000 | $1,192 | $132,900 |
| 65 | Casey County | $51,000 | $1,189 | $135,700 |
| 66 | Edmonson County | $51,000 | $1,194 | $136,600 |
| 67 | Boyd County | $50,000 | $1,161 | $126,300 |
| 68 | Carroll County | $50,000 | $1,164 | $129,800 |
| 69 | Hopkins County | $50,000 | $1,163 | $128,800 |
| 70 | Cumberland County | $49,000 | $1,139 | $128,600 |
| 71 | Hart County | $48,000 | $1,125 | $124,600 |
| 72 | Johnson County | $48,000 | $1,119 | $125,300 |
| 73 | Carter County | $47,500 | $1,109 | $126,100 |
| 74 | Robertson County | $47,500 | $1,108 | $123,400 |
| 75 | Muhlenberg County | $47,000 | $1,095 | $121,300 |
| 76 | Bracken County | $46,500 | $1,083 | $116,400 |
| 77 | Wayne County | $46,500 | $1,086 | $121,700 |
| 78 | Whitley County | $46,500 | $1,086 | $120,600 |
| 79 | Green County | $46,000 | $1,072 | $118,900 |
| 80 | Nicholas County | $46,000 | $1,070 | $119,600 |
| 81 | Monroe County | $45,500 | $1,066 | $116,300 |
| 82 | Rockcastle County | $45,500 | $1,059 | $119,300 |
| 83 | Fleming County | $45,000 | $1,053 | $115,200 |
| 84 | Livingston County | $45,000 | $1,052 | $116,300 |
| 85 | Crittenden County | $44,500 | $1,042 | $115,700 |
| 86 | Bath County | $44,000 | $1,030 | $111,800 |
| 87 | Caldwell County | $44,000 | $1,022 | $113,500 |
| 88 | Clinton County | $44,000 | $1,028 | $114,000 |
| 89 | Estill County | $44,000 | $1,027 | $111,900 |
| 90 | Ohio County | $44,000 | $1,030 | $113,400 |
| 91 | Knox County | $43,500 | $1,011 | $109,200 |
| 92 | Union County | $43,500 | $1,014 | $109,000 |
| 93 | Lawrence County | $43,000 | $998 | $108,100 |
| 94 | Menifee County | $43,000 | $1,006 | $111,500 |
| 95 | Carlisle County | $42,500 | $988 | $104,700 |
| 96 | Jackson County | $42,500 | $986 | $107,000 |
| 97 | Morgan County | $42,500 | $989 | $106,000 |
| 98 | Butler County | $41,500 | $969 | $105,500 |
| 99 | Metcalfe County | $41,500 | $965 | $103,100 |
| 100 | Pike County | $41,500 | $974 | $104,200 |
| 101 | Webster County | $40,500 | $946 | $97,600 |
| 102 | Elliott County | $39,500 | $921 | $97,400 |
| 103 | Floyd County | $38,500 | $896 | $93,300 |
| 104 | Hickman County | $38,500 | $894 | $92,300 |
| 105 | Perry County | $37,500 | $875 | $90,700 |
| 106 | Magoffin County | $37,000 | $858 | $88,300 |
| 107 | Clay County | $36,500 | $847 | $87,300 |
| 108 | Lewis County | $36,000 | $836 | $86,100 |
| 109 | Martin County | $36,000 | $836 | $84,900 |
| 110 | Bell County | $35,000 | $820 | $83,000 |
| 111 | Lee County | $35,000 | $820 | $82,100 |
| 112 | Owsley County | $34,000 | $795 | $79,900 |
| 113 | Fulton County | $33,500 | $783 | $78,100 |
| 114 | McCreary County | $33,000 | $775 | $77,000 |
| 115 | Harlan County | $32,500 | $762 | $73,100 |
| 116 | Knott County | $32,500 | $757 | $74,600 |
| 117 | Leslie County | $32,500 | $753 | $74,100 |
| 118 | Letcher County | $31,500 | $740 | $70,500 |
| 119 | Wolfe County | $29,500 | $690 | $66,400 |
| 120 | Breathitt County | $28,500 | $670 | $61,800 |
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 Salary Needed to Buy a Home across all 3,133 US counties · Every county in Kentucky