McCracken County, KY at a glance
Median household income
$64,373$5,364 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in McCracken 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 McCracken County, KY? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for McCracken County, KY 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 | $729 | $8,748 | $29,160 | 13.6% |
| 1-Bedroom Apartment | $851 | $10,212 | $34,040 | 15.9% |
| 2-Bedroom ApartmentBenchmark | $1,058 | $12,696 | $42,320 | 19.7% |
| 3-Bedroom Home | $1,269 | $15,228 | $50,760 | 23.7% |
| 4-Bedroom Home | $1,775 | $21,300 | $71,000 | 33.1% |
Rent in McCracken County, KY, with the wage each unit needs →
What a typical income covers in McCracken County, KY
The 50/30/20 rule applied to the local median of $64,373 a year ($5,364 a month before tax).
What $64,373 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 McCracken County, KY: common questions
What is the median household income in McCracken County, KY?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in McCracken County, KY is $64,373 per year (approximately $5,364 per month).
What is the average rent in McCracken County, KY?
The closest official figure is HUD's Fair Market Rent for 2026: $729 for a studio, $851 for one bedroom, $1,058 for two, $1,269 for three and $1,775 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 McCracken County, KY expensive to live in?
Prices there run 13.9% below the U.S. average. BEA's regional price parity for the metro area is 86.1, 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 McCracken County, KY?
To keep a $1,058 two-bedroom under 30% of gross income, a household needs about $42,320 a year, or $3,527 a month. That is 66% of what the typical household in McCracken County, KY earns.
How much do you need to live comfortably in McCracken County, KY?
On the local median income of $64,373 ($5,364 a month before tax), the 50/30/20 rule leaves $2,682 a month for needs like rent, utilities and groceries, $1,609 for everything else and $1,073 for savings or debt. A two-bedroom at $1,058 takes 39% of the needs share.
How much is the electric bill in McCracken 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.