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Richmond-Berea, KY

Cost of living in Estill County, KY

Estimated monthly cost
$2,513/mo
for a single person, all categories combined

Population 14,079 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $674 27%
Healthcare $480 19%
Federal tax $369 15%
Transport $320 13%
Groceries $312 12%
Energy $194 8%
State tax $109 4%
Water $55 2%

Rent in Estill County

Fair Market Rents by bedroom count.

Studio
$624
per month
1 bedroom
$674
per month
2 bedroom
$867
per month
3 bedroom
$1,090
per month
4 bedroom
$1,202
per month

Source: HUD FMR FY2025

Income and earnings in Estill County

Annual earnings figures from the Census ACS.

Household income
$43,905
per year
Individual earnings
$32,621
per year
Per capita
$24,142
per year

Source: ACS 2019-2023 5-Year.

Home values in Estill County

Average values reported by homeowners.

Average home value
$111,900
Annual property tax
$773

Source: ACS 2019-2023 5-Year

Energy costs in Estill 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 Estill County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.2%

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 Estill 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 Estill County

Commute patterns and estimated costs.

Average commute
34.9 min
Drive alone
73.8%
Public transit
0.1%
Work from home
4.3%

Source: ACS

Monthly cost estimates for Estill County

What it costs to live in Estill County each month.

Single person
$2,513
per month
  • Rent $674
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $369
  • State tax $109
Couple
$3,514
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $402
  • State tax $146
Family
$5,858
per month
  • Rent $1,090
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $402
  • State tax $146

Frequently asked questions about Estill County

Common questions about cost of living, rent and salary.

What is the average rent in Estill County?

In Estill County, KY, a one-bedroom apartment averages $674 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,090 per month, according to HUD Fair Market Rent data.

What is the average salary in Estill County?

In Estill County, KY, the average household income is $43,905 per year and individual earnings for full-time workers average $32,621 per year, according to U.S. Census Bureau data.

What is the cost of living in Estill County?

The estimated cost of living in Estill County, KY is approximately $2,513 per month for a single person, $3,514 for a couple, $5,858 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Estill County?

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

Is Estill County an affordable place to live?

Based on the data, a single person in Estill County, KY would need approximately $2,513 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $43,905 per year ($3,659 per month). Estill County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Estill County?

The ACA marketplace benchmark premium in Estill County, KY is approximately $480 per month for an individual. Approximately 6.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Estill County?

The average home value in Estill County, KY is $111,900, with average annual property taxes of $773, according to U.S. Census Bureau data.

How does Estill County compare to other areas?

You can compare Estill County, KY with any other US county using our comparison tool at /compare. Estill County is in the Richmond-Berea, 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 Estill 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