Skip to main content
LiveWhere us
Louisville/Jefferson County, KY-IN

Cost of living in Oldham County, KY

Part of the Louisville/Jefferson County Metro Area

Estimated monthly cost
$3,364/mo
for a single person, all categories combined

Population 68,600 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,094 33%
Federal tax $727 22%
Healthcare $480 14%
Transport $320 10%
Groceries $312 9%
Energy $194 6%
State tax $182 5%
Water $55 2%

Rent in Oldham County

Fair Market Rents by bedroom count.

Studio
$1,003
per month
1 bedroom
$1,094
per month
2 bedroom
$1,330
per month
3 bedroom
$1,714
per month
4 bedroom
$1,989
per month

Source: HUD FMR FY2025

Income and earnings in Oldham County

Annual earnings figures from the Census ACS.

Household income
$121,491
per year
Individual earnings
$54,508
per year
Per capita
$52,773
per year

Source: ACS 2019-2023 5-Year.

Home values in Oldham County

Average values reported by homeowners.

Average home value
$375,000
Annual property tax
$3,454

Source: ACS 2019-2023 5-Year

Energy costs in Oldham 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 Oldham County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
2.7%

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 Oldham 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 Oldham County

Commute patterns and estimated costs.

Average commute
26.1 min
Drive alone
74.8%
Public transit
0.0%
Work from home
15.9%

Source: ACS

Monthly cost estimates for Oldham County

What it costs to live in Oldham County each month.

Single person
$3,364
per month
  • Rent $1,094
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $727
  • State tax $182
Couple
$5,493
per month
  • Rent $1,330
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $1,659
  • State tax $405
Family
$7,998
per month
  • Rent $1,714
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,659
  • State tax $405

Frequently asked questions about Oldham County

Common questions about cost of living, rent and salary.

What is the average rent in Oldham County?

In Oldham County, KY, a one-bedroom apartment averages $1,094 per month, a two-bedroom averages $1,330 per month, a three-bedroom averages $1,714 per month, according to HUD Fair Market Rent data.

What is the average salary in Oldham County?

In Oldham County, KY, the average household income is $121,491 per year and individual earnings for full-time workers average $54,508 per year, according to U.S. Census Bureau data.

What is the cost of living in Oldham County?

The estimated cost of living in Oldham County, KY is approximately $3,364 per month for a single person, $5,493 for a couple, $7,998 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Oldham County?

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

Is Oldham County an affordable place to live?

Based on the data, a single person in Oldham County, KY would need approximately $3,364 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $121,491 per year ($10,124 per month). Oldham County is relatively affordable compared to the national average.

How much does healthcare cost in Oldham County?

The ACA marketplace benchmark premium in Oldham County, KY is approximately $480 per month for an individual. Approximately 2.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Oldham County?

The average home value in Oldham County, KY is $375,000, with average annual property taxes of $3,454, according to U.S. Census Bureau data.

How does Oldham County compare to other areas?

You can compare Oldham County, KY with any other US county using our comparison tool at /compare. Oldham 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 Oldham 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