Cost of Living in Todd County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Todd County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Todd County ranks #893 of 3,144 counties for affordability (top 28%)
Data Story
About Cost of Living in Todd County, Kentucky
Todd County renters meet national affordability norms
Todd County renters spend 17.5% of their $57,759 median household income on housing—slightly above the national average but nearly matching Kentucky's 17.0% state average. While the rent-to-income ratio is reasonable, Todd's below-average household income means renters face real budget constraints despite typical regional costs.
Average affordability among Kentucky counties
Todd County's 17.5% rent-to-income ratio sits just above the state average of 17.0%, placing it squarely in Kentucky's middle tier for rental affordability. The county offers neither exceptional relief nor significant strain relative to statewide norms.
Mid-range costs in a varied landscape
Todd County's $841 median rent sits between bargain Taylor County ($691) and pricier Simpson County ($1,011), while the $157,400 median home value is the second-lowest in the region. Todd's positioning reflects its role as a rural but accessible county between cheaper and more expensive markets.
Homeownership offers modest relief
Renters in Todd County spend 17.5% of income on the $841 median rent, while homeowners dedicate 15.4% toward monthly costs of $741. The $100 monthly difference makes Todd's ownership market slightly more favorable than its rental market.
Todd works for homebuyers with modest means
Todd County's lower home prices ($157,400) and modest owner costs ($741) make it appealing for budget-conscious homebuyers with stable but modest incomes. Renters should compare Todd to nearby Taylor County's superior affordability or Shelby County's stronger income base before deciding to relocate here.
Cost of Living Advisory: Todd County
Affordability Verdict
For renters in Todd County, the market is affordable. Expect to pay around $841/month in gross rent, with 23.0% of renter households considered cost-burdened.
Rent vs. Own
At $841/month rent versus $741/month in owner costs, owning is roughly $100/month cheaper — a 12% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,640/year. For owner costs at the 28% rule, the required income is roughly $31,757/year. With a median household income of $57,759, most households can comfortably afford rent here. Notably, 23.0% of renter households in Todd County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Todd County sits 7% more expensive than Laurel County ($789/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Todd County
Rent Burden
17.5%
of gross income
Max Housing (28% Rule)
$1,348
per month
Owner Cost Burden
15.4%
of gross income
You can likely afford the median home in Todd County
Median home value is $157,400. Estimated monthly cost: $1,257 vs. your max of $1,348.
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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