Cost of living in Morgan County, KY
Population 13,938 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Morgan County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Morgan County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Morgan County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Morgan County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Morgan County
Insurance premiums and coverage rates.
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 Morgan County
State and local tax rates for Kentucky.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Morgan County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Morgan County
What it costs to live in Morgan County each month.
- Rent $661
- Energy $194
- Water $55
- Groceries $312
- Transport $320
- Healthcare $480
- Federal tax $437
- State tax $123
- Rent $867
- Energy $233
- Water $65
- Groceries $517
- Transport $420
- Healthcare $864
- Federal tax $455
- State tax $158
- Rent $1,203
- Energy $291
- Water $75
- Groceries $784
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $455
- State tax $158
Frequently asked questions about Morgan County
Common questions about cost of living, rent and salary.
What is the average rent in Morgan County?
In Morgan County, KY, a one-bedroom apartment averages $661 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,203 per month, according to HUD Fair Market Rent data.
What is the average salary in Morgan County?
In Morgan County, KY, the average household income is $47,493 per year and individual earnings for full-time workers average $36,809 per year, according to U.S. Census Bureau data.
What is the cost of living in Morgan County?
The estimated cost of living in Morgan County, KY is approximately $2,582 per month for a single person, $3,579 for a couple, $6,036 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Morgan County?
The combined sales tax rate in Morgan County, KY is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.
Is Morgan County an affordable place to live?
Based on the data, a single person in Morgan County, KY would need approximately $2,582 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $47,493 per year ($3,958 per month). Morgan County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Morgan County?
The ACA marketplace benchmark premium in Morgan County, KY is approximately $480 per month for an individual. Approximately 8.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Morgan County?
The average home value in Morgan County, KY is $106,000, with average annual property taxes of $802, according to U.S. Census Bureau data.
How does Morgan County compare to other areas?
You can compare Morgan County, KY with any other US county using our comparison tool at /compare. Morgan County is in Kentucky.
Other counties in Kentucky
Browse the full list of counties in Kentucky, ranked by cost of living.
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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