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Cincinnati, OH-KY-IN

Cost of living in Gallatin County, KY

Part of the Cincinnati Metro Area

Estimated monthly cost
$2,933/mo
for a single person, all categories combined

Population 8,749 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $993 34%
Healthcare $480 16%
Federal tax $453 15%
Transport $320 11%
Groceries $312 11%
Energy $194 7%
State tax $126 4%
Water $55 2%

Rent in Gallatin County

Fair Market Rents by bedroom count.

Studio
$883
per month
1 bedroom
$993
per month
2 bedroom
$1,287
per month
3 bedroom
$1,707
per month
4 bedroom
$1,885
per month

Source: HUD FMR FY2025

Income and earnings in Gallatin County

Annual earnings figures from the Census ACS.

Household income
$62,247
per year
Individual earnings
$37,742
per year
Per capita
$30,216
per year

Source: ACS 2019-2023 5-Year.

Home values in Gallatin County

Average values reported by homeowners.

Average home value
$169,400
Annual property tax
$1,368

Source: ACS 2019-2023 5-Year

Energy costs in Gallatin 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 Gallatin County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.9%

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 Gallatin 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 Gallatin County

Commute patterns and estimated costs.

Average commute
28.4 min
Drive alone
80.5%
Public transit
0.0%
Work from home
4.3%

Source: ACS

Monthly cost estimates for Gallatin County

What it costs to live in Gallatin County each month.

Single person
$2,933
per month
  • Rent $993
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $453
  • State tax $126
Couple
$4,282
per month
  • Rent $1,287
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $689
  • State tax $207
Family
$6,823
per month
  • Rent $1,707
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $689
  • State tax $207

Frequently asked questions about Gallatin County

Common questions about cost of living, rent and salary.

What is the average rent in Gallatin County?

In Gallatin County, KY, a one-bedroom apartment averages $993 per month, a two-bedroom averages $1,287 per month, a three-bedroom averages $1,707 per month, according to HUD Fair Market Rent data.

What is the average salary in Gallatin County?

In Gallatin County, KY, the average household income is $62,247 per year and individual earnings for full-time workers average $37,742 per year, according to U.S. Census Bureau data.

What is the cost of living in Gallatin County?

The estimated cost of living in Gallatin County, KY is approximately $2,933 per month for a single person, $4,282 for a couple, $6,823 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Gallatin County?

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

Is Gallatin County an affordable place to live?

Based on the data, a single person in Gallatin County, KY would need approximately $2,933 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,247 per year ($5,187 per month). Gallatin County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Gallatin County?

The ACA marketplace benchmark premium in Gallatin County, KY is approximately $480 per month for an individual. Approximately 9.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Gallatin County?

The average home value in Gallatin County, KY is $169,400, with average annual property taxes of $1,368, according to U.S. Census Bureau data.

How does Gallatin County compare to other areas?

You can compare Gallatin County, KY with any other US county using our comparison tool at /compare. Gallatin County is in the Cincinnati, OH-KY-IN 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 Gallatin 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