Housing affordability index in Kentucky
Housing affordability index in Kentucky: puts one number on the housing question: 18.4% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
18.4%
principal + interest
Monthly payment
$941
on a $181,123 home
Median income
$61,383
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Fayette County | 23.4% | $1,288 |
| 2 | Warren County | 22.5% | $1,181 |
| 3 | Calloway County | 21.8% | $878 |
| 4 | Bourbon County | 21.4% | $975 |
| 5 | Jefferson County | 20.9% | $1,154 |
| 6 | Madison County | 20.9% | $1,042 |
| 7 | Woodford County | 20.6% | $1,346 |
| 8 | Barren County | 20.3% | $814 |
| 9 | Jessamine County | 20.2% | $1,179 |
| 10 | Mason County | 20.1% | $813 |
| 11 | Powell County | 20% | $641 |
| 12 | Knox County | 19.9% | $567 |
| 13 | Simpson County | 19.9% | $928 |
| 14 | Boyle County | 19.8% | $934 |
| 15 | Cumberland County | 19.4% | $655 |
| 16 | Trigg County | 19.4% | $903 |
| 17 | Nelson County | 19.2% | $1,060 |
| 18 | Shelby County | 19% | $1,286 |
| 19 | Oldham County | 19% | $1,857 |
| 20 | Grayson County | 18.8% | $735 |
| 21 | Rowan County | 18.7% | $779 |
| 22 | Campbell County | 18.6% | $1,114 |
| 23 | Scott County | 18.6% | $1,251 |
| 24 | Mercer County | 18.6% | $942 |
| 25 | Clark County | 18.5% | $952 |
| 26 | Casey County | 18.4% | $646 |
| 27 | Johnson County | 18.4% | $680 |
| 28 | McCracken County | 18.4% | $895 |
| 29 | Garrard County | 18.3% | $887 |
| 30 | Franklin County | 18.2% | $956 |
| 31 | Hardin County | 18.1% | $969 |
| 32 | Harrison County | 18.1% | $886 |
| 33 | Christian County | 18.1% | $738 |
| 34 | Bullitt County | 18% | $1,112 |
| 35 | Pulaski County | 17.9% | $729 |
| 36 | Spencer County | 17.8% | $1,497 |
| 37 | Anderson County | 17.7% | $1,033 |
| 38 | Larue County | 17.7% | $852 |
| 39 | Marion County | 17.7% | $732 |
| 40 | Allen County | 17.5% | $832 |
| 41 | Henry County | 17.3% | $839 |
| 42 | Henderson County | 17.1% | $811 |
| 43 | Kenton County | 17% | $1,079 |
| 44 | Meade County | 17% | $973 |
| 45 | Wayne County | 16.9% | $586 |
| 46 | Daviess County | 16.7% | $889 |
| 47 | Owen County | 16.7% | $786 |
| 48 | Robertson County | 16.6% | $745 |
| 49 | Montgomery County | 16.6% | $739 |
| 50 | Grant County | 16.5% | $902 |
| 51 | Jackson County | 16.5% | $529 |
| 52 | Gallatin County | 16.4% | $803 |
| 53 | Laurel County | 16.4% | $734 |
| 54 | Lincoln County | 16.4% | $676 |
| 55 | Magoffin County | 16.3% | $433 |
| 56 | Boone County | 16.2% | $1,234 |
| 57 | Carter County | 16.2% | $635 |
| 58 | Whitley County | 16.1% | $594 |
| 59 | Pendleton County | 16.1% | $790 |
| 60 | Graves County | 16% | $701 |
| 61 | Lyon County | 16% | $852 |
| 62 | Adair County | 15.9% | $659 |
| 63 | Hart County | 15.8% | $600 |
| 64 | Carroll County | 15.8% | $665 |
| 65 | Estill County | 15.7% | $523 |
| 66 | Green County | 15.7% | $504 |
| 67 | Russell County | 15.7% | $631 |
| 68 | Taylor County | 15.5% | $814 |
| 69 | Marshall County | 15.5% | $834 |
| 70 | Lee County | 15.2% | $402 |
| 71 | McCreary County | 15.2% | $443 |
| 72 | Washington County | 15.1% | $824 |
| 73 | Breckinridge County | 15% | $648 |
| 74 | Monroe County | 15% | $592 |
| 75 | Menifee County | 14.9% | $543 |
| 76 | Owsley County | 14.9% | $408 |
| 77 | Lawrence County | 14.7% | $521 |
| 78 | Pike County | 14.6% | $503 |
| 79 | Fleming County | 14.5% | $568 |
| 80 | Floyd County | 14.5% | $467 |
| 81 | Hopkins County | 14.4% | $653 |
| 82 | Crittenden County | 14.3% | $547 |
| 83 | Elliott County | 14.3% | $470 |
| 84 | Trimble County | 14.3% | $793 |
| 85 | Bell County | 14.2% | $398 |
| 86 | Lewis County | 14.2% | $433 |
| 87 | Logan County | 14.2% | $697 |
| 88 | Muhlenberg County | 14.2% | $602 |
| 89 | Greenup County | 14.1% | $687 |
| 90 | Boyd County | 13.8% | $670 |
| 91 | Clinton County | 13.7% | $471 |
| 92 | Rockcastle County | 13.7% | $521 |
| 93 | Edmonson County | 13.6% | $603 |
| 94 | Todd County | 13.6% | $658 |
| 95 | McLean County | 13.6% | $724 |
| 96 | Ohio County | 13.6% | $597 |
| 97 | Wolfe County | 13.5% | $323 |
| 98 | Butler County | 13.4% | $531 |
| 99 | Fulton County | 13.2% | $390 |
| 100 | Leslie County | 13.1% | $405 |
| 101 | Perry County | 12.8% | $482 |
| 102 | Harlan County | 12.7% | $370 |
| 103 | Martin County | 12.6% | $477 |
| 104 | Metcalfe County | 12.6% | $494 |
| 105 | Bath County | 12.3% | $526 |
| 106 | Caldwell County | 12.3% | $536 |
| 107 | Morgan County | 12.3% | $472 |
| 108 | Clay County | 12.1% | $382 |
| 109 | Nicholas County | 12.1% | $578 |
| 110 | Bracken County | 12% | $598 |
| 111 | Livingston County | 12% | $561 |
| 112 | Union County | 11.7% | $567 |
| 113 | Ballard County | 11.1% | $530 |
| 114 | Knott County | 10.8% | $346 |
| 115 | Hancock County | 10.7% | $607 |
| 116 | Letcher County | 10.7% | $343 |
| 117 | Carlisle County | 10.6% | $468 |
| 118 | Hickman County | 10.2% | $585 |
| 119 | Webster County | 9.7% | $450 |
| 120 | Breathitt County | 9.6% | $305 |
Methodology
Every county figure for Kentucky uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.