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Kentucky

Cost of living in McCreary County, KY

Estimated monthly cost
$2,556/mo
for a single person, all categories combined

Population 16,905 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $783 31%
Healthcare $480 19%
Transport $320 13%
Federal tax $314 12%
Groceries $312 12%
Energy $194 8%
State tax $98 4%
Water $55 2%

Rent in McCreary County

Fair Market Rents by bedroom count.

Studio
$624
per month
1 bedroom
$783
per month
2 bedroom
$867
per month
3 bedroom
$1,084
per month
4 bedroom
$1,194
per month

Source: HUD FMR FY2025

Income and earnings in McCreary County

Annual earnings figures from the Census ACS.

Household income
$37,355
per year
Individual earnings
$29,279
per year
Per capita
$16,972
per year

Source: ACS 2019-2023 5-Year.

Home values in McCreary County

Average values reported by homeowners.

Average home value
$77,000
Annual property tax
$565

Source: ACS 2019-2023 5-Year

Energy costs in McCreary 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 McCreary County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.3%

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 McCreary 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 McCreary County

Commute patterns and estimated costs.

Average commute
31.7 min
Drive alone
78.6%
Public transit
0.1%
Work from home
7.6%

Source: ACS

Monthly cost estimates for McCreary County

What it costs to live in McCreary County each month.

Single person
$2,556
per month
  • Rent $783
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $314
  • State tax $98
Couple
$3,397
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $306
  • State tax $125
Family
$5,735
per month
  • Rent $1,084
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $306
  • State tax $125

Frequently asked questions about McCreary County

Common questions about cost of living, rent and salary.

What is the average rent in McCreary County?

In McCreary County, KY, a one-bedroom apartment averages $783 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,084 per month, according to HUD Fair Market Rent data.

What is the average salary in McCreary County?

In McCreary County, KY, the average household income is $37,355 per year and individual earnings for full-time workers average $29,279 per year, according to U.S. Census Bureau data.

What is the cost of living in McCreary County?

The estimated cost of living in McCreary County, KY is approximately $2,556 per month for a single person, $3,397 for a couple, $5,735 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in McCreary County?

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

Is McCreary County an affordable place to live?

Based on the data, a single person in McCreary County, KY would need approximately $2,556 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $37,355 per year ($3,113 per month). McCreary County has a high cost of living relative to local earnings.

How much does healthcare cost in McCreary County?

The ACA marketplace benchmark premium in McCreary County, KY is approximately $480 per month for an individual. Approximately 8.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in McCreary County?

The average home value in McCreary County, KY is $77,000, with average annual property taxes of $565, according to U.S. Census Bureau data.

How does McCreary County compare to other areas?

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

Other counties in Kentucky

Browse the full list of counties in Kentucky, ranked by cost of living.

See all counties in Kentucky

Compare McCreary 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