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Kentucky

Cost of living in Caldwell County, KY

Estimated monthly cost
$2,789/mo
for a single person, all categories combined

Population 12,631 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $750 27%
Federal tax $535 19%
Healthcare $480 17%
Transport $320 11%
Groceries $312 11%
Energy $194 7%
State tax $143 5%
Water $55 2%

Rent in Caldwell County

Fair Market Rents by bedroom count.

Studio
$624
per month
1 bedroom
$750
per month
2 bedroom
$867
per month
3 bedroom
$1,046
per month
4 bedroom
$1,194
per month

Source: HUD FMR FY2025

Income and earnings in Caldwell County

Annual earnings figures from the Census ACS.

Household income
$57,618
per year
Individual earnings
$42,792
per year
Per capita
$31,544
per year

Source: ACS 2019-2023 5-Year.

Home values in Caldwell County

Average values reported by homeowners.

Average home value
$113,500
Annual property tax
$594

Source: ACS 2019-2023 5-Year

Energy costs in Caldwell 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 Caldwell County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.6%

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 Caldwell 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 Caldwell County

Commute patterns and estimated costs.

Average commute
24.7 min
Drive alone
80.8%
Public transit
0.0%
Work from home
6.1%

Source: ACS

Monthly cost estimates for Caldwell County

What it costs to live in Caldwell County each month.

Single person
$2,789
per month
  • Rent $750
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $535
  • State tax $143
Couple
$3,771
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $613
  • State tax $192
Family
$6,071
per month
  • Rent $1,046
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $613
  • State tax $192

Frequently asked questions about Caldwell County

Common questions about cost of living, rent and salary.

What is the average rent in Caldwell County?

In Caldwell County, KY, a one-bedroom apartment averages $750 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,046 per month, according to HUD Fair Market Rent data.

What is the average salary in Caldwell County?

In Caldwell County, KY, the average household income is $57,618 per year and individual earnings for full-time workers average $42,792 per year, according to U.S. Census Bureau data.

What is the cost of living in Caldwell County?

The estimated cost of living in Caldwell County, KY is approximately $2,789 per month for a single person, $3,771 for a couple, $6,071 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Caldwell County?

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

Is Caldwell County an affordable place to live?

Based on the data, a single person in Caldwell County, KY would need approximately $2,789 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $57,618 per year ($4,802 per month). Caldwell County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Caldwell County?

The ACA marketplace benchmark premium in Caldwell County, KY is approximately $480 per month for an individual. Approximately 9.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Caldwell County?

The average home value in Caldwell County, KY is $113,500, with average annual property taxes of $594, according to U.S. Census Bureau data.

How does Caldwell County compare to other areas?

You can compare Caldwell County, KY with any other US county using our comparison tool at /compare. Caldwell 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 Caldwell 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