Cost of Living in Fleming County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Fleming County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Fleming County ranks #260 of 3,144 counties for affordability (top 8%)
Data Story
About Cost of Living in Fleming County, Kentucky
Fleming leads Kentucky affordability
Fleming County boasts Kentucky's best rent-to-income ratio at 16.4%, beating both the state average (17.0%) and falling comfortably below the national 30% threshold. Median rent of $677/month ranks among the state's lowest, though median household income ($49,663) trails the U.S. average by 34%.
Most affordable Kentucky county
Fleming's 16.4% rent-to-income ratio leads all Kentucky counties surveyed, delivering the best rental affordability in the state. At $677/month, local rents run 12% below the state median, giving residents the most breathing room in their housing budgets across the commonwealth.
Rural affordability champion
Fleming's $677 rent undercuts most regional peers: Estill ($689), Garrard ($793), and Fayette ($1,101) all charge more. Combined with Fleming's lean 16.4% ratio, the county emerges as the most affordable option for renters across this cluster of central Kentucky communities.
Balanced housing budget
Fleming households earning $49,663 annually spend $677 on rent (16.4% of income) or $560 on mortgage payments for homes valued around $115,200. This leaves substantial income for other necessities—a rare luxury in rural Kentucky labor markets.
Fleming: Kentucky's affordability gem
If housing affordability tops your relocation criteria, Fleming County delivers the best rent-to-income ratio in the state at just 16.4%, with rents 12% below the Kentucky average. Factor in rural lifestyle trade-offs and job availability, but if you can secure remote work or compatible employment, Fleming offers unbeatable housing value.
Cost of Living Advisory: Fleming County
Affordability Verdict
Fleming County is affordable for renters, with a median gross rent of $677/month representing approximately 16.4% of median household income. The rent burden (GRAPI) stands at 29.0%.
Rent vs. Own
At $677/month rent versus $560/month in owner costs, owning is roughly $117/month cheaper — a 17% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $27,080/year. For owner costs at the 28% rule, the required income is roughly $24,000/year. With a median household income of $49,663, most households can comfortably afford rent here. Notably, 29.0% of renter households in Fleming County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Fleming County sits 7% less expensive than Lawrence County ($729/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Fleming County
Rent Burden
16.4%
of gross income
Max Housing (28% Rule)
$1,159
per month
Owner Cost Burden
13.5%
of gross income
You can likely afford the median home in Fleming County
Median home value is $115,200. Estimated monthly cost: $920 vs. your max of $1,159.
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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