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Lexington-Fayette, KY

Cost of living in Clark County, KY

Part of the Lexington Metro Area

Estimated monthly cost
$2,972/mo
for a single person, all categories combined

Population 37,004 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $982 33%
Federal tax $495 17%
Healthcare $480 16%
Transport $320 11%
Groceries $312 10%
Energy $194 7%
State tax $134 5%
Water $55 2%

Rent in Clark County

Fair Market Rents by bedroom count.

Studio
$799
per month
1 bedroom
$982
per month
2 bedroom
$1,165
per month
3 bedroom
$1,583
per month
4 bedroom
$1,781
per month

Source: HUD FMR FY2025

Income and earnings in Clark County

Annual earnings figures from the Census ACS.

Household income
$67,824
per year
Individual earnings
$40,326
per year
Per capita
$39,131
per year

Source: ACS 2019-2023 5-Year.

Home values in Clark County

Average values reported by homeowners.

Average home value
$197,900
Annual property tax
$1,448

Source: ACS 2019-2023 5-Year

Energy costs in Clark 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 Clark County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
3.8%

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 Clark 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 Clark County

Commute patterns and estimated costs.

Average commute
24.0 min
Drive alone
79.8%
Public transit
0.0%
Work from home
10.3%

Source: ACS

Monthly cost estimates for Clark County

What it costs to live in Clark County each month.

Single person
$2,972
per month
  • Rent $982
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $495
  • State tax $134
Couple
$4,270
per month
  • Rent $1,165
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $780
  • State tax $226
Family
$6,809
per month
  • Rent $1,583
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $780
  • State tax $226

Frequently asked questions about Clark County

Common questions about cost of living, rent and salary.

What is the average rent in Clark County?

In Clark County, KY, a one-bedroom apartment averages $982 per month, a two-bedroom averages $1,165 per month, a three-bedroom averages $1,583 per month, according to HUD Fair Market Rent data.

What is the average salary in Clark County?

In Clark County, KY, the average household income is $67,824 per year and individual earnings for full-time workers average $40,326 per year, according to U.S. Census Bureau data.

What is the cost of living in Clark County?

The estimated cost of living in Clark County, KY is approximately $2,972 per month for a single person, $4,270 for a couple, $6,809 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Clark County?

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

Is Clark County an affordable place to live?

Based on the data, a single person in Clark County, KY would need approximately $2,972 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,824 per year ($5,652 per month). Clark County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Clark County?

The ACA marketplace benchmark premium in Clark County, KY is approximately $480 per month for an individual. Approximately 3.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Clark County?

The average home value in Clark County, KY is $197,900, with average annual property taxes of $1,448, according to U.S. Census Bureau data.

How does Clark County compare to other areas?

You can compare Clark County, KY with any other US county using our comparison tool at /compare. Clark County is in the Lexington-Fayette, 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 Clark 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