Cost of Living in Ohio County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Ohio County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Ohio County ranks #891 of 3,144 counties for affordability (top 28%)
Data Story
About Cost of Living in Ohio County, Kentucky
Ohio County Sits Right at State Average
Ohio County's rent-to-income ratio of 17.1% matches Kentucky's statewide average almost exactly, with monthly rent at $774 staying close to the state's $771 benchmark. Earning $54,369 annually, Ohio County residents face housing costs that are squarely middle-of-the-road for the state.
Typical Housing Costs Across Kentucky
Ohio County represents the statewide norm—neither an affordability standout nor a high-cost outlier—making it representative of typical Kentucky housing conditions. The county's rent-to-income ratio of 17.1% tracks Kentucky's overall housing burden perfectly.
Mid-Range Pricing Among Regional Peers
Ohio County's $774 rent sits between the bargains of Nicholas County ($654) and Owen County ($775), while its median home value of $113,400 ranks among the lowest in the region. This positions Ohio as affordable but not exceptional compared to immediate neighbors.
Typical Split Between Rent and Ownership
At $54,369 annual income, Ohio County residents devote approximately 17.1% to rent and 13.7% to mortgage costs, leaving sufficient income for other necessities. Homeownership remains accessible at the median value of $113,400 for buyers with standard down payments.
Ohio County Offers Kentucky's Middle Way
If you want typical Kentucky housing costs without venturing into the state's expensive counties, Ohio County delivers straightforward affordability and stability. Compare your current housing burden: if you're paying 25%+ of income toward housing, a move here offers meaningful relief.
Cost of Living Advisory: Ohio County
Affordability Verdict
Ohio County offers affordable rental housing at a median of $774/month — about 17.1% of the typical household income here.
Rent vs. Own
At $774/month rent versus $620/month in owner costs, owning is roughly $154/month cheaper — a 20% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $30,960/year. For owner costs at the 28% rule, the required income is roughly $26,571/year. With a median household income of $54,369, most households can comfortably afford rent here. Notably, 20.0% of renter households in Ohio County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Kentucky, Ohio County is less affordable than Ballard County by roughly 6% ($774/mo vs $826/mo).
Affordability Calculator
See how your income compares to housing costs in Ohio County
Rent Burden
17.1%
of gross income
Max Housing (28% Rule)
$1,269
per month
Owner Cost Burden
13.7%
of gross income
You can likely afford the median home in Ohio County
Median home value is $113,400. Estimated monthly cost: $905 vs. your max of $1,269.
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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