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Louisville/Jefferson County, KY-IN

Cost of living in Nelson County, KY

Part of the Louisville/Jefferson County Metro Area

Estimated monthly cost
$2,715/mo
for a single person, all categories combined

Population 47,102 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $697 26%
Federal tax $518 19%
Healthcare $480 18%
Transport $320 12%
Groceries $312 11%
Energy $194 7%
State tax $139 5%
Water $55 2%

Rent in Nelson County

Fair Market Rents by bedroom count.

Studio
$658
per month
1 bedroom
$697
per month
2 bedroom
$914
per month
3 bedroom
$1,265
per month
4 bedroom
$1,535
per month

Source: HUD FMR FY2025

Income and earnings in Nelson County

Annual earnings figures from the Census ACS.

Household income
$67,888
per year
Individual earnings
$41,744
per year
Per capita
$33,257
per year

Source: ACS 2019-2023 5-Year.

Home values in Nelson County

Average values reported by homeowners.

Average home value
$224,100
Annual property tax
$1,782

Source: ACS 2019-2023 5-Year

Energy costs in Nelson 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 Nelson County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.1%

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 Nelson 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 Nelson County

Commute patterns and estimated costs.

Average commute
25.8 min
Drive alone
84.6%
Public transit
0.0%
Work from home
5.4%

Source: ACS

Monthly cost estimates for Nelson County

What it costs to live in Nelson County each month.

Single person
$2,715
per month
  • Rent $697
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $518
  • State tax $139
Couple
$4,020
per month
  • Rent $914
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $781
  • State tax $226
Family
$6,492
per month
  • Rent $1,265
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $781
  • State tax $226

Frequently asked questions about Nelson County

Common questions about cost of living, rent and salary.

What is the average rent in Nelson County?

In Nelson County, KY, a one-bedroom apartment averages $697 per month, a two-bedroom averages $914 per month, a three-bedroom averages $1,265 per month, according to HUD Fair Market Rent data.

What is the average salary in Nelson County?

In Nelson County, KY, the average household income is $67,888 per year and individual earnings for full-time workers average $41,744 per year, according to U.S. Census Bureau data.

What is the cost of living in Nelson County?

The estimated cost of living in Nelson County, KY is approximately $2,715 per month for a single person, $4,020 for a couple, $6,492 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Nelson County?

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

Is Nelson County an affordable place to live?

Based on the data, a single person in Nelson County, KY would need approximately $2,715 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,888 per year ($5,657 per month). Nelson County is relatively affordable compared to the national average.

How much does healthcare cost in Nelson County?

The ACA marketplace benchmark premium in Nelson County, KY is approximately $480 per month for an individual. Approximately 5.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Nelson County?

The average home value in Nelson County, KY is $224,100, with average annual property taxes of $1,782, according to U.S. Census Bureau data.

How does Nelson County compare to other areas?

You can compare Nelson County, KY with any other US county using our comparison tool at /compare. Nelson County is in the Louisville/Jefferson County, KY-IN 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 Nelson 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