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Mayfield, KY

Cost of living in Graves County, KY

Estimated monthly cost
$2,525/mo
for a single person, all categories combined

Population 36,612 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $661 26%
Healthcare $480 19%
Federal tax $390 15%
Transport $320 13%
Groceries $312 12%
Energy $194 8%
State tax $113 4%
Water $55 2%

Rent in Graves County

Fair Market Rents by bedroom count.

Studio
$624
per month
1 bedroom
$661
per month
2 bedroom
$867
per month
3 bedroom
$1,215
per month
4 bedroom
$1,456
per month

Source: HUD FMR FY2025

Income and earnings in Graves County

Annual earnings figures from the Census ACS.

Household income
$50,576
per year
Individual earnings
$33,893
per year
Per capita
$29,608
per year

Source: ACS 2019-2023 5-Year.

Home values in Graves County

Average values reported by homeowners.

Average home value
$139,000
Annual property tax
$929

Source: ACS 2019-2023 5-Year

Energy costs in Graves 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 Graves County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.1%

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 Graves 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 Graves County

Commute patterns and estimated costs.

Average commute
20.9 min
Drive alone
82.6%
Public transit
0.1%
Work from home
7.4%

Source: ACS

Monthly cost estimates for Graves County

What it costs to live in Graves County each month.

Single person
$2,525
per month
  • Rent $661
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $390
  • State tax $113
Couple
$3,636
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $501
  • State tax $169
Family
$6,105
per month
  • Rent $1,215
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $501
  • State tax $169

Frequently asked questions about Graves County

Common questions about cost of living, rent and salary.

What is the average rent in Graves County?

In Graves County, KY, a one-bedroom apartment averages $661 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,215 per month, according to HUD Fair Market Rent data.

What is the average salary in Graves County?

In Graves County, KY, the average household income is $50,576 per year and individual earnings for full-time workers average $33,893 per year, according to U.S. Census Bureau data.

What is the cost of living in Graves County?

The estimated cost of living in Graves County, KY is approximately $2,525 per month for a single person, $3,636 for a couple, $6,105 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Graves County?

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

Is Graves County an affordable place to live?

Based on the data, a single person in Graves County, KY would need approximately $2,525 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $50,576 per year ($4,215 per month). Graves County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Graves County?

The ACA marketplace benchmark premium in Graves County, KY is approximately $480 per month for an individual. Approximately 8.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Graves County?

The average home value in Graves County, KY is $139,000, with average annual property taxes of $929, according to U.S. Census Bureau data.

How does Graves County compare to other areas?

You can compare Graves County, KY with any other US county using our comparison tool at /compare. Graves County is in the Mayfield, 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 Graves 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