Cost of Living in Estill County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Estill County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Estill County, Kentucky
Estill rents fit national patterns
Estill County's rent-to-income ratio of 18.8% sits slightly above the national sweet spot, where housing experts recommend spending no more than 30% of income on rent. While median household income here ($43,905) trails the U.S. average ($74,755) by 41%, local rents at $689/month remain relatively modest compared to national markets.
Above Kentucky average affordability
Estill's 18.8% rent-to-income ratio exceeds Kentucky's state average of 17.0%, placing it in the middle tier of affordability across the commonwealth. At $689/month, local rents run 11% below the state median of $771, offering relief despite below-average incomes.
Competing in the regional market
Estill's $689 rent compares favorably to nearby Floyd County ($713) and sits between Fleming County ($677) and Fayette County's urban premium ($1,101). However, Estill faces higher affordability pressure than neighboring Fleming (16.4% ratio) due to lower median incomes, making it a working-class rental market.
Where your income goes
A typical Estill household earning $43,905 annually spends $689 on rent (18.8% of income) or $607 on mortgage payments, with homebuyers looking at properties valued around $111,900. These proportions stay below the danger zone, leaving room for other essentials in a modest budget.
Considering Estill? Here's what to know
If you're seeking Kentucky rental affordability without sacrificing too much income, Estill offers reasonable rents with cost-of-living advantages—though you'll want to compare job opportunities and income potential against nearby options like Fayette County's higher wages. The county's 18.8% rent-to-income ratio sits comfortably within the acceptable range, making it accessible for working families.
Affordability Calculator
See how your income compares to housing costs in Estill County
Rent Burden
18.8%
of gross income
Max Housing (28% Rule)
$1,024
per month
Owner Cost Burden
16.6%
of gross income
You can likely afford the median home in Estill County
Median home value is $111,900. Estimated monthly cost: $893 vs. your max of $1,024.
Rent Affordability Guide
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.