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Kentucky

Cost of living in Breckinridge County, KY

Estimated monthly cost
$2,603/mo
for a single person, all categories combined

Population 20,722 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $706 27%
Healthcare $480 18%
Federal tax $417 16%
Transport $320 12%
Groceries $312 12%
Energy $194 7%
State tax $119 5%
Water $55 2%

Rent in Breckinridge County

Fair Market Rents by bedroom count.

Studio
$701
per month
1 bedroom
$706
per month
2 bedroom
$867
per month
3 bedroom
$1,145
per month
4 bedroom
$1,149
per month

Source: HUD FMR FY2025

Income and earnings in Breckinridge County

Annual earnings figures from the Census ACS.

Household income
$53,673
per year
Individual earnings
$35,578
per year
Per capita
$29,163
per year

Source: ACS 2019-2023 5-Year.

Home values in Breckinridge County

Average values reported by homeowners.

Average home value
$141,400
Annual property tax
$855

Source: ACS 2019-2023 5-Year

Energy costs in Breckinridge County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 13.3¢/kWh
Natural gas
$54
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Breckinridge County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.6%

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 Breckinridge County

State and local tax rates for Kentucky.

State income tax
4.0%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Breckinridge County

Commute patterns and estimated costs.

Average commute
33.7 min
Drive alone
81.8%
Public transit
1.5%
Work from home
3.8%

Source: ACS

Monthly cost estimates for Breckinridge County

What it costs to live in Breckinridge County each month.

Single person
$2,603
per month
  • Rent $706
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $417
  • State tax $119
Couple
$3,693
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $548
  • State tax $179
Family
$6,092
per month
  • Rent $1,145
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $548
  • State tax $179

Frequently asked questions about Breckinridge County

Common questions about cost of living, rent and salary.

What is the average rent in Breckinridge County?

In Breckinridge County, KY, a one-bedroom apartment averages $706 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,145 per month, according to HUD Fair Market Rent data.

What is the average salary in Breckinridge County?

In Breckinridge County, KY, the average household income is $53,673 per year and individual earnings for full-time workers average $35,578 per year, according to U.S. Census Bureau data.

What is the cost of living in Breckinridge County?

The estimated cost of living in Breckinridge County, KY is approximately $2,603 per month for a single person, $3,693 for a couple, $6,092 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Breckinridge County?

The combined sales tax rate in Breckinridge County, KY is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.

Is Breckinridge County an affordable place to live?

Based on the data, a single person in Breckinridge County, KY would need approximately $2,603 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $53,673 per year ($4,473 per month). Breckinridge County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Breckinridge County?

The ACA marketplace benchmark premium in Breckinridge County, KY is approximately $480 per month for an individual. Approximately 6.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Breckinridge County?

The average home value in Breckinridge County, KY is $141,400, with average annual property taxes of $855, according to U.S. Census Bureau data.

How does Breckinridge County compare to other areas?

You can compare Breckinridge County, KY with any other US county using our comparison tool at /compare. Breckinridge County is in Kentucky.

Other counties in Kentucky

Browse the full list of counties in Kentucky, ranked by cost of living.

See all counties in Kentucky

Compare Breckinridge County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

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
Methodology All data sources