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Murray, KY

Cost of living in Calloway County, KY

Estimated monthly cost
$2,619/mo
for a single person, all categories combined

Population 37,882 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $816 31%
Healthcare $480 18%
Federal tax $339 13%
Transport $320 12%
Groceries $312 12%
Energy $194 7%
State tax $103 4%
Water $55 2%

Rent in Calloway County

Fair Market Rents by bedroom count.

Studio
$765
per month
1 bedroom
$816
per month
2 bedroom
$1,070
per month
3 bedroom
$1,289
per month
4 bedroom
$1,419
per month

Source: HUD FMR FY2025

Income and earnings in Calloway County

Annual earnings figures from the Census ACS.

Household income
$51,854
per year
Individual earnings
$30,820
per year
Per capita
$29,862
per year

Source: ACS 2019-2023 5-Year.

Home values in Calloway County

Average values reported by homeowners.

Average home value
$181,200
Annual property tax
$1,215

Source: ACS 2019-2023 5-Year

Energy costs in Calloway 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 Calloway County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.1%

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 Calloway 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 Calloway County

Commute patterns and estimated costs.

Average commute
16.8 min
Drive alone
77.7%
Public transit
0.1%
Work from home
5.3%

Source: ACS

Monthly cost estimates for Calloway County

What it costs to live in Calloway County each month.

Single person
$2,619
per month
  • Rent $816
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $339
  • State tax $103
Couple
$3,861
per month
  • Rent $1,070
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $519
  • State tax $173
Family
$6,201
per month
  • Rent $1,289
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $519
  • State tax $173

Frequently asked questions about Calloway County

Common questions about cost of living, rent and salary.

What is the average rent in Calloway County?

In Calloway County, KY, a one-bedroom apartment averages $816 per month, a two-bedroom averages $1,070 per month, a three-bedroom averages $1,289 per month, according to HUD Fair Market Rent data.

What is the average salary in Calloway County?

In Calloway County, KY, the average household income is $51,854 per year and individual earnings for full-time workers average $30,820 per year, according to U.S. Census Bureau data.

What is the cost of living in Calloway County?

The estimated cost of living in Calloway County, KY is approximately $2,619 per month for a single person, $3,861 for a couple, $6,201 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Calloway County?

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

Is Calloway County an affordable place to live?

Based on the data, a single person in Calloway County, KY would need approximately $2,619 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $51,854 per year ($4,321 per month). Calloway County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Calloway County?

The ACA marketplace benchmark premium in Calloway County, KY is approximately $480 per month for an individual. Approximately 7.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Calloway County?

The average home value in Calloway County, KY is $181,200, with average annual property taxes of $1,215, according to U.S. Census Bureau data.

How does Calloway County compare to other areas?

You can compare Calloway County, KY with any other US county using our comparison tool at /compare. Calloway County is in the Murray, KY metro area.

Other counties in Kentucky

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

See all counties in Kentucky

Compare Calloway 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