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Paducah, KY-IL

Cost of living in McCracken County, KY

Part of the Paducah Metro Area

Estimated monthly cost
$2,706/mo
for a single person, all categories combined

Population 67,584 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $781 29%
Healthcare $480 18%
Federal tax $441 16%
Transport $320 12%
Groceries $312 12%
Energy $194 7%
State tax $123 5%
Water $55 2%

Rent in McCracken County

Fair Market Rents by bedroom count.

Studio
$693
per month
1 bedroom
$781
per month
2 bedroom
$1,011
per month
3 bedroom
$1,218
per month
4 bedroom
$1,698
per month

Source: HUD FMR FY2025

Income and earnings in McCracken County

Annual earnings figures from the Census ACS.

Household income
$62,385
per year
Individual earnings
$37,049
per year
Per capita
$38,598
per year

Source: ACS 2019-2023 5-Year.

Home values in McCracken County

Average values reported by homeowners.

Average home value
$182,900
Annual property tax
$1,342

Source: ACS 2019-2023 5-Year

Energy costs in McCracken 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 McCracken County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.6%

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 McCracken 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 McCracken County

Commute patterns and estimated costs.

Average commute
17.2 min
Drive alone
83.4%
Public transit
0.6%
Work from home
7.2%

Source: ACS

Monthly cost estimates for McCracken County

What it costs to live in McCracken County each month.

Single person
$2,706
per month
  • Rent $781
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $441
  • State tax $123
Couple
$4,009
per month
  • Rent $1,011
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $691
  • State tax $208
Family
$6,337
per month
  • Rent $1,218
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $691
  • State tax $208

Frequently asked questions about McCracken County

Common questions about cost of living, rent and salary.

What is the average rent in McCracken County?

In McCracken County, KY, a one-bedroom apartment averages $781 per month, a two-bedroom averages $1,011 per month, a three-bedroom averages $1,218 per month, according to HUD Fair Market Rent data.

What is the average salary in McCracken County?

In McCracken County, KY, the average household income is $62,385 per year and individual earnings for full-time workers average $37,049 per year, according to U.S. Census Bureau data.

What is the cost of living in McCracken County?

The estimated cost of living in McCracken County, KY is approximately $2,706 per month for a single person, $4,009 for a couple, $6,337 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in McCracken County?

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

Is McCracken County an affordable place to live?

Based on the data, a single person in McCracken County, KY would need approximately $2,706 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,385 per year ($5,199 per month). McCracken County has a moderate cost of living relative to local earnings.

How much does healthcare cost in McCracken County?

The ACA marketplace benchmark premium in McCracken County, KY is approximately $480 per month for an individual. Approximately 5.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in McCracken County?

The average home value in McCracken County, KY is $182,900, with average annual property taxes of $1,342, according to U.S. Census Bureau data.

How does McCracken County compare to other areas?

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