Gallatin County, KY at a glance
Median household income
$63,346$5,279 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Gallatin County, KY?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Gallatin County, KY? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Cincinnati, OH-KY-IN HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $958 | $11,496 | $38,320 | 18.1% |
| 1-Bedroom Apartment | $1,051 | $12,612 | $42,040 | 19.9% |
| 2-Bedroom ApartmentBenchmark | $1,353 | $16,236 | $54,120 | 25.6% |
| 3-Bedroom Home | $1,785 | $21,420 | $71,400 | 33.8% |
| 4-Bedroom Home | $1,976 | $23,712 | $79,040 | 37.4% |
Rent in Gallatin County, KY, with the wage each unit needs →
What a typical income covers in Gallatin County, KY
The 50/30/20 rule applied to the local median of $63,346 a year ($5,279 a month before tax).
What $63,346 leaves after Kentucky taxes
Federal income tax, Social Security, Medicare and Kentucky tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Kentucky
Living in Gallatin County, KY: common questions
What is the median household income in Gallatin County, KY?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Gallatin County, KY is $63,346 per year (approximately $5,279 per month).
What is the average rent in Gallatin County, KY?
The closest official figure is HUD's Fair Market Rent for 2026: $958 for a studio, $1,051 for one bedroom, $1,353 for two, $1,785 for three and $1,976 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 Gallatin County, KY expensive to live in?
Prices there run 4.6% below the U.S. average. BEA's regional price parity for the metro area is 95.4, 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 Gallatin County, KY?
To keep a $1,353 two-bedroom under 30% of gross income, a household needs about $54,120 a year, or $4,510 a month. That is 85% of what the typical household in Gallatin County, KY earns.
How much do you need to live comfortably in Gallatin County, KY?
On the local median income of $63,346 ($5,279 a month before tax), the 50/30/20 rule leaves $2,639 a month for needs like rent, utilities and groceries, $1,584 for everything else and $1,056 for savings or debt. A two-bedroom at $1,353 takes 51% of the needs share.
How much is the electric bill in Gallatin 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.