Cost of Living in Carlisle County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Carlisle County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Carlisle County ranks #404 of 3,144 counties for affordability (top 13%)
Data Story
About Cost of Living in Carlisle County, Kentucky
Carlisle County stays within affordable bounds
At 15.3%, Carlisle County's rent-to-income ratio sits comfortably below national norms, despite median income ($62,019) lagging the U.S. average by $12,736. Residents enjoy solid affordability, with the median rent of $792 consuming just over a seventh of household earnings.
Better than Kentucky's rental average
Carlisle's 15.3% rent-to-income ratio beats Kentucky's 17.0% state average, placing it among the state's more rental-friendly markets. At $792 monthly, Carlisle rents run slightly above the state median of $771 but remain well-balanced against local incomes.
Competitive rents with solid income support
Carlisle's $792 rent falls in the middle range among peer counties, but its $62,019 median income ranks above several neighbors, including Calloway, Carter, and Casey. This combination delivers above-average affordability ratios while maintaining healthier earning power than rural southern Kentucky counties.
Balanced housing costs across renters and owners
Carlisle renters pay $792 monthly (15.3% of the $62,019 income) while homeowners spend $678—among the lowest owner costs in the group. With median home values of $104,700, both renters and homeowners find balanced costs that align with local earning capacity.
Carlisle delivers steady housing stability
Relocating to Carlisle puts you in a balanced housing market where affordability ratios stay competitive and incomes remain stronger than many rural alternatives. Compare Carlisle's 15.3% rent-to-income ratio and $104,700 median home value to adjacent counties—you'll find consistent, sustainable housing economics.
Cost of Living Advisory: Carlisle County
Affordability Verdict
For renters in Carlisle County, the market is affordable. Expect to pay around $792/month in gross rent, with 26.0% of renter households considered cost-burdened.
Rent vs. Own
At $792/month rent versus $678/month in owner costs, owning is roughly $114/month cheaper — a 14% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,680/year. For owner costs at the 28% rule, the required income is roughly $29,057/year. With a median household income of $62,019, most households can comfortably afford rent here. Notably, 26.0% of renter households in Carlisle County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Edmonson County where rent averages $739/month, Carlisle County is approximately 7% more expensive.
Affordability Calculator
See how your income compares to housing costs in Carlisle County
Rent Burden
15.3%
of gross income
Max Housing (28% Rule)
$1,447
per month
Owner Cost Burden
13.1%
of gross income
You can likely afford the median home in Carlisle County
Median home value is $104,700. Estimated monthly cost: $836 vs. your max of $1,447.
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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