Kentucky · Census, HUD and BEA figures · Updated

Cost of Living in Christian County, KY

Prices around Christian County, KY run 9.1% below the U.S. average (BEA, the metro area). The typical household there earns $55,494 a year, and HUD puts a two-bedroom at $1,346 a month. Keeping that rent under 30% of income takes about $53,840 a year.

Christian County, KY at a glance

Median household income

$55,494$4,625 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,346HUD FY2026 Fair Market Rent
Price level (U.S. = 100)90.9-9.1% · BEA, the metro area
Electricity14.3¢per kWh · EIA Residential KY
Population72,069Census ACS 5-year estimate

How much rent can you afford in Christian County, KY?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,346Monthly market rent
Share of gross income29.1%Recommended max: 30%
Annual income needed$53,840To meet the 30% standard
Max affordable rent$1,387At 30% of $55,494
0%30% (Affordability standard)100%
Compare against:

How much is rent in Christian County, KY? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Clarksville, TN-KY HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Christian County, KY, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,090$13,080$43,60023.6%
1-Bedroom Apartment$1,094$13,128$43,76023.7%
2-Bedroom ApartmentBenchmark$1,346$16,152$53,84029.1%
3-Bedroom Home$1,871$22,452$74,84040.5%
4-Bedroom Home$2,258$27,096$90,32048.8%

Rent in Christian County, KY, with the wage each unit needs →

What a typical income covers in Christian County, KY

The 50/30/20 rule applied to the local median of $55,494 a year ($4,625 a month before tax).

Needs (50%)$2,312/moRent ($1,346 2-BR), utilities (~$128/mo), groceries, transit
Wants (30%)$1,387/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$925/moEmergency fund, retirement, paying down loans

What $55,494 leaves after Kentucky taxes

Federal income tax, Social Security, Medicare and Kentucky tax on the local median income. Change the salary to see yours.

$55,494
$20,000$115,000
Filing status:
Gross salary breakdown$55,494
Net 81%
Fed 8%
KY 3%
FICA 8%
Annual take-home$44,945After all taxes
Monthly deposit$3,745Estimated per month
Biweekly paycheck$1,729Every 2 weeks (26/yr)
Effective tax rate19%Total tax burden
Federal income tax$4,479 / yr
Kentucky state income tax$1,825 / yr
FICA (Social Security & Medicare)$4,245 / yr

Living in Christian County, KY: common questions

What is the median household income in Christian County, KY?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Christian County, KY is $55,494 per year (approximately $4,625 per month).

What is the average rent in Christian County, KY?

The closest official figure is HUD's Fair Market Rent for 2026: $1,090 for a studio, $1,094 for one bedroom, $1,346 for two, $1,871 for three and $2,258 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Christian County, KY expensive to live in?

Prices there run 9.1% below the U.S. average. BEA's regional price parity for the metro area is 90.9, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Christian County, KY?

To keep a $1,346 two-bedroom under 30% of gross income, a household needs about $53,840 a year, or $4,487 a month. That is 97% of what the typical household in Christian County, KY earns.

How much do you need to live comfortably in Christian County, KY?

On the local median income of $55,494 ($4,625 a month before tax), the 50/30/20 rule leaves $2,312 a month for needs like rent, utilities and groceries, $1,387 for everything else and $925 for savings or debt. A two-bedroom at $1,346 takes 58% of the needs share.

How much is the electric bill in Christian County, KY?

Homes in Kentucky paid 14.3¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $128. Your bill depends mostly on heating and cooling.