Cost of Living in Scott County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Scott County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Scott County ranks #1,660 of 3,144 counties for affordability (bottom 47%)
Data Story
About Cost of Living in Scott County, Kentucky
Scott County rents stay below the national squeeze
Scott County renters spend 16.9% of their income on housing—nearly matching the national standard and outpacing the state average of 17.0%. With a median household income of $83,660, well above the national median of $74,755, residents here have more breathing room than typical American renters.
Middle of the pack in Kentucky affordability
Scott County ranks in the middle tier of Kentucky counties for rental affordability, with a rent-to-income ratio of 16.9% compared to the state average of 17.0%. While not the most affordable in the state, Scott County outperforms several neighbors and maintains stable housing costs relative to regional wages.
Pricier rents in the Bluegrass corridor
At $1,181 monthly, Scott County's median rent runs 53% higher than Taylor County ($691) and 40% above Shelby County ($998), reflecting its position near the Northern Kentucky job centers. However, Scott's median home value of $264,200 remains below Spencer County's $297,600, offering balance between rental and ownership costs.
Homeownership carries the bigger bite
While renters spend 16.9% of income on housing, homeowners in Scott County dedicate 18.8% of their $83,660 median household income to monthly ownership costs of $1,314. The $133 gap between median rent and owner costs reflects Scott County's stronger income base supporting both rental and mortgage markets.
Consider Scott if you value stability
Scott County offers above-average household incomes and rent-to-income ratios near the national sweet spot—ideal for renters prioritizing budget relief over ultra-low costs. Prospective homebuyers should compare the $264,200 median home value against neighboring Shelby County's $277,500 to find the right fit for your move.
Cost of Living Advisory: Scott County
Affordability Verdict
For renters in Scott County, the market is affordable. Expect to pay around $1,181/month in gross rent, with 26.0% of renter households considered cost-burdened.
Rent vs. Own
Renters in Scott County pay $1,181/month on average, compared to $1,314/month for homeowners. This market favors renters by about 10%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $47,240/year. For owner costs at the 28% rule, the required income is roughly $56,314/year. With a median household income of $83,660, most households can comfortably afford rent here. Notably, 26.0% of renter households in Scott County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Scott County sits 6% less expensive than Boone County ($1,253/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Scott County
Rent Burden
16.9%
of gross income
Max Housing (28% Rule)
$1,952
per month
Owner Cost Burden
18.8%
of gross income
The median home in Scott County may be a stretch
Median home value is $264,200. Estimated monthly cost: $2,109 vs. your max of $1,952.
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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