Cost of Living in Caldwell County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Caldwell County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Caldwell County, Kentucky
Caldwell's rent stays below national pressure
At 15.1%, Caldwell County's rent-to-income ratio sits comfortably below the national average, giving renters more breathing room than most Americans. This county spends less of its income on rent than the typical U.S. household, even though median income here ($57,618) trails the national median ($74,755) by nearly $17,000.
More affordable than most Kentucky counties
Caldwell ranks among Kentucky's more affordable counties for renters, with a 15.1% rent-to-income ratio below the state average of 17.0%. The median rent of $724 also undercuts the state median by $47, creating pockets of genuine housing relief in western Kentucky.
Competitive rents across western Kentucky
Caldwell's $724 monthly rent is the lowest among its peer counties, beating Carter County ($701 is lower, correction: Carter at $701 is actually lowest), but Caldwell offers better median income ($57,618) than Carter ($50,389) and Casey ($41,689). Renters here get stable affordability without sacrificing earning potential.
Housing takes 15% of paychecks here
Caldwell renters spend about $724 monthly while homeowners carry $646 in mortgage costs—both well-aligned with the $57,618 median household income. This balanced split means residents have room for other essentials without housing crowding out their budgets.
Caldwell offers stable, affordable housing
If you're relocating from higher-cost regions, Caldwell County delivers solid affordability with median home values of $113,500 and rent-to-income ratios that won't strain your budget. Compare these figures to adjacent counties—you'll find Caldwell competitive on price while maintaining healthy household income levels.
Affordability Calculator
See how your income compares to housing costs in Caldwell County
Rent Burden
15.1%
of gross income
Max Housing (28% Rule)
$1,344
per month
Owner Cost Burden
13.5%
of gross income
You can likely afford the median home in Caldwell County
Median home value is $113,500. Estimated monthly cost: $906 vs. your max of $1,344.
Rent Affordability Guide
Frequently Asked Questions
What is the cost of living in Caldwell County, Kentucky?
What is the median rent in Caldwell County?
Is Caldwell County affordable?
How does Caldwell County's rent compare to the state average?
What is the median home value in Caldwell County?
Planning a Move?
Researching the cost of living in Caldwell County, Kentucky? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCounties with Similar Housing Costs
Compare Mortgage Rates in Caldwell County
Whether you're buying your first home or refinancing, compare rates from top lenders to find the best deal.
See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.