Cost of Living in Union County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Union County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Union County ranks #582 of 3,144 counties for affordability (top 19%)
Data Story
About Cost of Living in Union County, Kentucky
Union County rents: below the curve
Union County's rent-to-income ratio of 15.5% sits comfortably below the national average, meaning renters here spend less of their paycheck on housing than typical Americans. With a median rent of $787 and household income of $60,989, this county offers more breathing room than most—especially compared to the national median income of $74,755.
Better than average for Kentucky
Union County's 15.5% rent-to-income ratio outperforms Kentucky's state average of 17.0%, placing it among the more affordable counties in the commonwealth. This advantage stems from moderate rents paired with steady household income that slightly exceeds the statewide median.
A stable choice in the region
Union County's $787 monthly rent and 15.5% rent burden sit squarely between comparable nearby counties, offering neither the lowest rents nor the highest costs. Its affordability aligns with the regional middle ground, making it a predictable option for those weighing moves across western Kentucky.
Housing takes 15.5% of income
Renters in Union County spend about $787 monthly on housing from a median household income of $60,989, leaving 84.5% for other expenses. Homeowners fare slightly better, with an average monthly cost of $644 on properties valued near $109,000.
Consider Union for balanced living
If you're relocating to Kentucky and want affordability without sacrificing income stability, Union County deserves your attention. Its below-average housing burden and moderate home values make it worth comparing against higher-cost counties like Warren and Woodford.
Cost of Living Advisory: Union County
Affordability Verdict
Union County is affordable for renters, with a median gross rent of $787/month representing approximately 15.5% of median household income. The rent burden (GRAPI) stands at 23.0%.
Rent vs. Own
At $787/month rent versus $644/month in owner costs, owning is roughly $143/month cheaper — a 18% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,480/year. For owner costs at the 28% rule, the required income is roughly $27,600/year. With a median household income of $60,989, most households can comfortably afford rent here. Notably, 23.0% of renter households in Union County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Boyd County where rent averages $839/month, Union County is approximately 6% less expensive.
Affordability Calculator
See how your income compares to housing costs in Union County
Rent Burden
15.5%
of gross income
Max Housing (28% Rule)
$1,423
per month
Owner Cost Burden
12.7%
of gross income
You can likely afford the median home in Union County
Median home value is $109,000. Estimated monthly cost: $870 vs. your max of $1,423.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
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
What is the cost of living in Union County, Kentucky?
What is the median rent in Union County?
Is Union County affordable?
How does Union County's rent compare to the state average?
What is the median home value in Union County?
Counties with Similar Housing Costs
Planning a Move?
Researching the cost of living in Union County, Kentucky? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCompare Mortgage Rates in Union County
Whether you're buying your first home or refinancing, compare rates from top lenders to find the best deal.
See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
CostByCounty participates in affiliate programs. We may earn a commission when you use our links, at no extra cost to you.