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Henderson, KY

Cost of living in Henderson County, KY

Estimated monthly cost
$2,797/mo
for a single person, all categories combined

Population 44,493 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $821 29%
Federal tax $483 17%
Healthcare $480 17%
Transport $320 11%
Groceries $312 11%
Energy $194 7%
State tax $132 5%
Water $55 2%

Rent in Henderson County

Fair Market Rents by bedroom count.

Studio
$780
per month
1 bedroom
$821
per month
2 bedroom
$1,054
per month
3 bedroom
$1,300
per month
4 bedroom
$1,473
per month

Source: HUD FMR FY2025

Income and earnings in Henderson County

Annual earnings figures from the Census ACS.

Household income
$58,239
per year
Individual earnings
$39,597
per year
Per capita
$32,803
per year

Source: ACS 2019-2023 5-Year.

Home values in Henderson County

Average values reported by homeowners.

Average home value
$165,700
Annual property tax
$1,455

Source: ACS 2019-2023 5-Year

Energy costs in Henderson 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 Henderson County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.7%

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 Henderson 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 Henderson County

Commute patterns and estimated costs.

Average commute
23.0 min
Drive alone
80.2%
Public transit
0.2%
Work from home
4.9%

Source: ACS

Monthly cost estimates for Henderson County

What it costs to live in Henderson County each month.

Single person
$2,797
per month
  • Rent $821
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $483
  • State tax $132
Couple
$3,970
per month
  • Rent $1,054
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $623
  • State tax $194
Family
$6,337
per month
  • Rent $1,300
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $623
  • State tax $194

Frequently asked questions about Henderson County

Common questions about cost of living, rent and salary.

What is the average rent in Henderson County?

In Henderson County, KY, a one-bedroom apartment averages $821 per month, a two-bedroom averages $1,054 per month, a three-bedroom averages $1,300 per month, according to HUD Fair Market Rent data.

What is the average salary in Henderson County?

In Henderson County, KY, the average household income is $58,239 per year and individual earnings for full-time workers average $39,597 per year, according to U.S. Census Bureau data.

What is the cost of living in Henderson County?

The estimated cost of living in Henderson County, KY is approximately $2,797 per month for a single person, $3,970 for a couple, $6,337 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Henderson County?

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

Is Henderson County an affordable place to live?

Based on the data, a single person in Henderson County, KY would need approximately $2,797 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $58,239 per year ($4,853 per month). Henderson County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Henderson County?

The ACA marketplace benchmark premium in Henderson County, KY is approximately $480 per month for an individual. Approximately 4.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Henderson County?

The average home value in Henderson County, KY is $165,700, with average annual property taxes of $1,455, according to U.S. Census Bureau data.

How does Henderson County compare to other areas?

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