Cost of Living in McCreary County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How McCreary County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
McCreary County ranks #47 of 3,142 counties for affordability (top 1%)
Sourced county brief
McCreary County Median Home Value Estimated at 85,300 Dollars
The median home value in McCreary County was estimated at $85,300 during the 2020-2024 ACS 5-year period, which is $75,535 below the Kentucky unweighted county mean of $160,835. Median selected monthly owner costs for all owner-occupied units were $527, compared to the state unweighted county mean of $753. Among renter households, the median gross rent was $577 per month, and the median renter-household income was $12,374. The official median gross rent as a percentage of household income (GRAPI) is 29.1%. This official B25071 figure is 1.9 percentage points higher than the Kentucky unweighted county mean of 27.2%. These statistics provide a reproducible snapshot of housing-cost conditions and are not for investment or relocation advice. See ACS table B25077 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: McCreary County
Affordability Verdict
ACS B25071 estimates median gross rent at 29.1% of renter household income in McCreary County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $577 per month; median selected monthly owner costs are $527. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $23,080 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Kentucky unweighted mean of county median rents is $793 per month. McCreary County's $577 median is 27.3% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in McCreary County
Rent Burden
20.5%
of gross income
Max Housing (28% Rule)
$788
per month
Owner Cost Burden
18.7%
of gross income
You can likely afford the median home in McCreary County
Median home value is $85,300. Estimated monthly cost: $681 vs. your max of $788.
Rent Affordability Guide
Income Needed Calculator
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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 (2020-2024). Data is informational only and is not personalized financial advice.
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