Cost of Living in Campbell County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Campbell County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Campbell County ranks #1,557 of 3,144 counties for affordability (top 50%)
Data Story
About Cost of Living in Campbell County, Kentucky
Campbell County: higher income offsets higher costs
At 16.8%, Campbell County's rent-to-income ratio stays just below the national average, despite higher absolute housing costs. Residents earn $77,271—the strongest income in this group and $2,516 above the national median—making those steeper rents and $1,217 monthly owner costs manageable.
Among Kentucky's most affluent housing markets
Campbell County's 16.8% rent-to-income ratio beats Kentucky's 17.0% state average, and its $77,271 median income outpaces state peers significantly. This northern Kentucky county combines higher earning power with reasonable affordability ratios—a rare balance statewide.
Premium pricing with premium incomes
Campbell's $1,079 rent and $1,217 owner costs are the highest in this cohort, but its $77,271 median income is also the strongest by far. Residents here pay more absolutely but spend a smaller percentage of earnings on housing than lower-income peers.
Housing absorbs one-sixth of household income
Campbell renters pay $1,079 monthly (16.8% of income) while homeowners carry $1,217, both sustainable ratios given the $77,271 median household income. Median home values reach $234,500—the highest in the group—reflecting a market where earning power supports premium housing.
Campbell offers affordability with higher incomes
If you're relocating with strong earning potential, Campbell County delivers housing affordability ratios that match or beat national standards. The $234,500 median home value and $1,079 rents require solid income but reward well-compensated workers with balanced housing costs and northern Kentucky's economic advantages.
Cost of Living Advisory: Campbell County
Affordability Verdict
Campbell County offers affordable rental housing at a median of $1,079/month — about 16.8% of the typical household income here.
Rent vs. Own
Renters in Campbell County pay $1,079/month on average, compared to $1,217/month for homeowners. This market favors renters by about 11%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $43,160/year. For owner costs at the 28% rule, the required income is roughly $52,157/year. With a median household income of $77,271, most households can comfortably afford rent here. Notably, 29.0% of renter households in Campbell County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Kenton County where rent averages $1,018/month, Campbell County is approximately 6% more expensive.
Affordability Calculator
See how your income compares to housing costs in Campbell County
Rent Burden
16.8%
of gross income
Max Housing (28% Rule)
$1,803
per month
Owner Cost Burden
18.9%
of gross income
The median home in Campbell County may be a stretch
Median home value is $234,500. Estimated monthly cost: $1,872 vs. your max of $1,803.
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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