Cost of Living in Adair County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Adair County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Adair County ranks #220 of 3,144 counties for affordability (top 7%)
Data Story
About Cost of Living in Adair County, Kentucky
Adair's rents outpace national affordability
Adair County residents spend 18.5% of household income on rent, slightly above the national benchmark where affordability typically maxes out at 15-17%. With a median household income of $50,316—well below the national average of $74,755—housing costs stretch further here than they do for the typical American family.
Middle-of-the-road for Kentucky
Adair's rent-to-income ratio of 18.5% ranks it above Kentucky's state average of 17.0%, placing it among less affordable counties across the state. The county's median rent of $775 nearly matches the state average of $771, but lower incomes make the burden comparatively heavier.
Slightly pricier than nearby counties
Adair's median rent of $775 edges ahead of Allen County ($750) and Bath County ($600), though all three are modestly priced compared to more prosperous neighborhoods like Anderson County ($870). Homeownership costs in Adair run about $550 monthly—among the lowest in the region.
Where Adair income goes
Renters in Adair spend about $775 monthly while homeowners pay $550, leaving limited room in a $50,316 annual household budget for other essentials. At 18.5% of income dedicated to rent alone, households here have less flexibility than the national average.
Weighing Adair for your move
If you're relocating on a modest income, Adair offers below-average homeownership costs and rents near state norms, but factor in that median incomes lag the nation significantly. Compare Adair's affordability carefully against counties like Allen or Bath, which offer competitive rent prices for similarly-situated households.
Cost of Living Advisory: Adair County
Affordability Verdict
For renters in Adair County, the market is affordable. Expect to pay around $775/month in gross rent, with 28.0% of renter households considered cost-burdened.
Rent vs. Own
Renters in Adair County pay $775/month on average, compared to $550/month for homeowners. This market favors buyers by about 29%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,000/year. For owner costs at the 28% rule, the required income is roughly $23,571/year. With a median household income of $50,316, most households can comfortably afford rent here. Notably, 28.0% of renter households in Adair County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Kentucky, Adair County is less affordable than Ballard County by roughly 6% ($775/mo vs $826/mo).
Affordability Calculator
See how your income compares to housing costs in Adair County
Rent Burden
18.5%
of gross income
Max Housing (28% Rule)
$1,174
per month
Owner Cost Burden
13.1%
of gross income
You can likely afford the median home in Adair County
Median home value is $134,800. Estimated monthly cost: $1,076 vs. your max of $1,174.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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