Cost of living in Ballard County, KY
Part of the Paducah Metro Area
Population 7,678 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Ballard County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Ballard County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Ballard County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Ballard County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Ballard County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Ballard County
State and local tax rates for Kentucky.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Ballard County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Ballard County
What it costs to live in Ballard County each month.
- Rent $710
- Energy $194
- Water $55
- Groceries $312
- Transport $320
- Healthcare $480
- Federal tax $471
- State tax $129
- Rent $931
- Energy $233
- Water $65
- Groceries $517
- Transport $420
- Healthcare $864
- Federal tax $729
- State tax $216
- Rent $1,122
- Energy $291
- Water $75
- Groceries $784
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $729
- State tax $216
Frequently asked questions about Ballard County
Common questions about cost of living, rent and salary.
What is the average rent in Ballard County?
In Ballard County, KY, a one-bedroom apartment averages $710 per month, a two-bedroom averages $931 per month, a three-bedroom averages $1,122 per month, according to HUD Fair Market Rent data.
What is the average salary in Ballard County?
In Ballard County, KY, the average household income is $64,740 per year and individual earnings for full-time workers average $38,831 per year, according to U.S. Census Bureau data.
What is the cost of living in Ballard County?
The estimated cost of living in Ballard County, KY is approximately $2,671 per month for a single person, $3,975 for a couple, $6,287 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Ballard County?
The combined sales tax rate in Ballard County, KY is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.
Is Ballard County an affordable place to live?
Based on the data, a single person in Ballard County, KY would need approximately $2,671 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $64,740 per year ($5,395 per month). Ballard County is relatively affordable compared to the national average.
How much does healthcare cost in Ballard County?
The ACA marketplace benchmark premium in Ballard County, KY is approximately $480 per month for an individual. Approximately 3.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Ballard County?
The average home value in Ballard County, KY is $132,900, with average annual property taxes of $1,067, according to U.S. Census Bureau data.
How does Ballard County compare to other areas?
You can compare Ballard County, KY with any other US county using our comparison tool at /compare. Ballard County is in the Paducah, KY-IL metro area.
Other counties in Kentucky
Browse the full list of counties in Kentucky, ranked by cost of living.
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP