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Owensboro, KY

Cost of living in McLean County, KY

Part of the Owensboro Metro Area

Estimated monthly cost
$2,989/mo
for a single person, all categories combined

Population 9,127 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $860 29%
Federal tax $610 20%
Healthcare $480 16%
Transport $320 11%
Groceries $312 10%
Energy $194 6%
State tax $158 5%
Water $55 2%

Rent in McLean County

Fair Market Rents by bedroom count.

Studio
$854
per month
1 bedroom
$860
per month
2 bedroom
$1,128
per month
3 bedroom
$1,494
per month
4 bedroom
$1,496
per month

Source: HUD FMR FY2025

Income and earnings in McLean County

Annual earnings figures from the Census ACS.

Household income
$70,549
per year
Individual earnings
$47,355
per year
Per capita
$34,206
per year

Source: ACS 2019-2023 5-Year.

Home values in McLean County

Average values reported by homeowners.

Average home value
$145,600
Annual property tax
$984

Source: ACS 2019-2023 5-Year

Energy costs in McLean 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 McLean County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.2%

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 McLean 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 McLean County

Commute patterns and estimated costs.

Average commute
28.6 min
Drive alone
85.8%
Public transit
0.1%
Work from home
4.7%

Source: ACS

Monthly cost estimates for McLean County

What it costs to live in McLean County each month.

Single person
$2,989
per month
  • Rent $860
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $610
  • State tax $158
Couple
$4,287
per month
  • Rent $1,128
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $825
  • State tax $235
Family
$6,774
per month
  • Rent $1,494
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $825
  • State tax $235

Frequently asked questions about McLean County

Common questions about cost of living, rent and salary.

What is the average rent in McLean County?

In McLean County, KY, a one-bedroom apartment averages $860 per month, a two-bedroom averages $1,128 per month, a three-bedroom averages $1,494 per month, according to HUD Fair Market Rent data.

What is the average salary in McLean County?

In McLean County, KY, the average household income is $70,549 per year and individual earnings for full-time workers average $47,355 per year, according to U.S. Census Bureau data.

What is the cost of living in McLean County?

The estimated cost of living in McLean County, KY is approximately $2,989 per month for a single person, $4,287 for a couple, $6,774 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in McLean County?

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

Is McLean County an affordable place to live?

Based on the data, a single person in McLean County, KY would need approximately $2,989 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $70,549 per year ($5,879 per month). McLean County has a moderate cost of living relative to local earnings.

How much does healthcare cost in McLean County?

The ACA marketplace benchmark premium in McLean County, KY is approximately $480 per month for an individual. Approximately 4.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in McLean County?

The average home value in McLean County, KY is $145,600, with average annual property taxes of $984, according to U.S. Census Bureau data.

How does McLean County compare to other areas?

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