Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Kentucky
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Kentucky ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Spencer County | 33.3% | $794 | $2,382 |
| 2 | Oldham County | 33.5% | $1,010 | $3,012 |
| 3 | Scott County | 33.8% | $722 | $2,132 |
| 4 | Woodford County | 34.1% | $747 | $2,191 |
| 5 | Warren County | 34.2% | $672 | $1,967 |
| 6 | Shelby County | 34.4% | $777 | $2,259 |
| 7 | Jessamine County | 35.0% | $703 | $2,012 |
| 8 | Fayette County | 35.1% | $784 | $2,237 |
| 9 | Trigg County | 35.4% | $562 | $1,587 |
| 10 | Madison County | 35.5% | $648 | $1,827 |
| 11 | Boone County | 35.6% | $746 | $2,098 |
| 12 | Jefferson County | 35.7% | $704 | $1,970 |
| 13 | Nelson County | 35.7% | $666 | $1,862 |
| 14 | Simpson County | 35.8% | $582 | $1,627 |
| 15 | Lyon County | 35.8% | $547 | $1,527 |
| 16 | Hardin County | 35.8% | $613 | $1,713 |
| 17 | Bullitt County | 35.8% | $696 | $1,944 |
| 18 | Bourbon County | 35.8% | $631 | $1,760 |
| 19 | Anderson County | 36.1% | $644 | $1,782 |
| 20 | Allen County | 36.2% | $533 | $1,474 |
| 21 | Meade County | 36.3% | $593 | $1,634 |
| 22 | Clark County | 36.3% | $602 | $1,659 |
| 23 | Harrison County | 36.4% | $576 | $1,585 |
| 24 | Larue County | 36.6% | $547 | $1,495 |
| 25 | Calloway County | 36.7% | $560 | $1,528 |
| 26 | Garrard County | 36.7% | $578 | $1,576 |
| 27 | Grant County | 36.8% | $576 | $1,567 |
| 28 | Boyle County | 37.0% | $628 | $1,699 |
| 29 | Franklin County | 37.0% | $622 | $1,683 |
| 30 | Kenton County | 37.0% | $712 | $1,927 |
| 31 | McCracken County | 37.0% | $573 | $1,549 |
| 32 | Campbell County | 37.1% | $739 | $1,991 |
| 33 | Grayson County | 37.1% | $505 | $1,360 |
| 34 | Trimble County | 37.2% | $545 | $1,467 |
| 35 | Mercer County | 37.2% | $600 | $1,613 |
| 36 | Todd County | 37.3% | $499 | $1,339 |
| 37 | Marshall County | 37.3% | $552 | $1,480 |
| 38 | Rowan County | 37.4% | $496 | $1,329 |
| 39 | Henry County | 37.6% | $583 | $1,551 |
| 40 | Daviess County | 37.6% | $598 | $1,590 |
| 41 | Washington County | 37.6% | $542 | $1,440 |
| 42 | Mason County | 37.7% | $510 | $1,351 |
| 43 | Barren County | 37.8% | $540 | $1,431 |
| 44 | Taylor County | 37.9% | $533 | $1,407 |
| 45 | Pulaski County | 37.9% | $509 | $1,344 |
| 46 | Owen County | 38.0% | $539 | $1,420 |
| 47 | Montgomery County | 38.0% | $537 | $1,412 |
| 48 | Logan County | 38.1% | $497 | $1,306 |
| 49 | Russell County | 38.1% | $487 | $1,278 |
| 50 | Gallatin County | 38.1% | $557 | $1,461 |
| 51 | Marion County | 38.1% | $522 | $1,369 |
| 52 | Pendleton County | 38.4% | $535 | $1,393 |
| 53 | Laurel County | 38.4% | $478 | $1,243 |
| 54 | Powell County | 38.5% | $475 | $1,235 |
| 55 | Breckinridge County | 38.7% | $476 | $1,231 |
| 56 | Henderson County | 38.7% | $559 | $1,444 |
| 57 | Christian County | 38.8% | $504 | $1,301 |
| 58 | McLean County | 38.8% | $493 | $1,270 |
| 59 | Edmonson County | 38.9% | $465 | $1,194 |
| 60 | Casey County | 39.1% | $465 | $1,189 |
| 61 | Graves County | 39.2% | $479 | $1,221 |
| 62 | Carter County | 39.3% | $436 | $1,109 |
| 63 | Hancock County | 39.4% | $478 | $1,212 |
| 64 | Lincoln County | 39.6% | $487 | $1,231 |
| 65 | Adair County | 39.6% | $473 | $1,192 |
| 66 | Cumberland County | 39.7% | $453 | $1,139 |
| 67 | Rockcastle County | 39.9% | $423 | $1,059 |
| 68 | Wayne County | 40.2% | $437 | $1,086 |
| 69 | Johnson County | 40.2% | $450 | $1,119 |
| 70 | Nicholas County | 40.3% | $432 | $1,070 |
| 71 | Carroll County | 40.5% | $471 | $1,164 |
| 72 | Ballard County | 40.5% | $482 | $1,192 |
| 73 | Robertson County | 40.5% | $449 | $1,108 |
| 74 | Crittenden County | 40.7% | $424 | $1,042 |
| 75 | Caldwell County | 40.7% | $416 | $1,022 |
| 76 | Whitley County | 40.7% | $443 | $1,086 |
| 77 | Green County | 40.8% | $437 | $1,072 |
| 78 | Clinton County | 40.8% | $420 | $1,028 |
| 79 | Menifee County | 40.8% | $411 | $1,006 |
| 80 | Muhlenberg County | 40.9% | $448 | $1,095 |
| 81 | Hart County | 40.9% | $460 | $1,125 |
| 82 | Hopkins County | 40.9% | $476 | $1,163 |
| 83 | Livingston County | 41.0% | $432 | $1,052 |
| 84 | Greenup County | 41.0% | $503 | $1,225 |
| 85 | Ohio County | 41.2% | $425 | $1,030 |
| 86 | Fleming County | 41.6% | $438 | $1,053 |
| 87 | Monroe County | 41.7% | $445 | $1,066 |
| 88 | Estill County | 41.8% | $429 | $1,027 |
| 89 | Butler County | 41.9% | $405 | $969 |
| 90 | Boyd County | 41.9% | $487 | $1,161 |
| 91 | Bath County | 42.0% | $433 | $1,030 |
| 92 | Jackson County | 42.1% | $415 | $986 |
| 93 | Lawrence County | 42.2% | $421 | $998 |
| 94 | Knox County | 42.3% | $428 | $1,011 |
| 95 | Union County | 42.6% | $432 | $1,014 |
| 96 | Bracken County | 42.6% | $462 | $1,083 |
| 97 | Morgan County | 42.8% | $424 | $989 |
| 98 | Pike County | 42.9% | $417 | $974 |
| 99 | Metcalfe County | 43.0% | $415 | $965 |
| 100 | Carlisle County | 43.4% | $429 | $988 |
| 101 | Elliott County | 43.5% | $401 | $921 |
| 102 | Floyd County | 44.4% | $397 | $896 |
| 103 | Perry County | 44.7% | $391 | $875 |
| 104 | Hickman County | 44.9% | $401 | $894 |
| 105 | Webster County | 44.9% | $425 | $946 |
| 106 | Clay County | 45.0% | $381 | $847 |
| 107 | Lewis County | 45.0% | $376 | $836 |
| 108 | Magoffin County | 45.0% | $386 | $858 |
| 109 | Martin County | 45.8% | $383 | $836 |
| 110 | Bell County | 46.0% | $377 | $820 |
| 111 | Owsley County | 46.3% | $368 | $795 |
| 112 | Lee County | 46.6% | $382 | $820 |
| 113 | Fulton County | 46.7% | $366 | $783 |
| 114 | McCreary County | 47.0% | $364 | $775 |
| 115 | Knott County | 47.4% | $359 | $757 |
| 116 | Leslie County | 47.5% | $358 | $753 |
| 117 | Wolfe County | 48.6% | $335 | $690 |
| 118 | Harlan County | 48.8% | $372 | $762 |
| 119 | Letcher County | 49.1% | $363 | $740 |
| 120 | Breathitt County | 50.8% | $340 | $670 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Kentucky