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Kentucky

Cost of living in Owsley County, KY

Estimated monthly cost
$2,426/mo
for a single person, all categories combined

Population 4,021 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $677 28%
Healthcare $480 20%
Transport $320 13%
Groceries $312 13%
Federal tax $294 12%
Energy $194 8%
State tax $94 4%
Water $55 2%

Rent in Owsley County

Fair Market Rents by bedroom count.

Studio
$624
per month
1 bedroom
$677
per month
2 bedroom
$867
per month
3 bedroom
$1,154
per month
4 bedroom
$1,194
per month

Source: HUD FMR FY2025

Income and earnings in Owsley County

Annual earnings figures from the Census ACS.

Household income
$31,064
per year
Individual earnings
$28,071
per year
Per capita
$21,285
per year

Source: ACS 2019-2023 5-Year.

Home values in Owsley County

Average values reported by homeowners.

Average home value
$79,900
Annual property tax
$562

Source: ACS 2019-2023 5-Year

Energy costs in Owsley 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 Owsley County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.3%

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 Owsley 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 Owsley County

Commute patterns and estimated costs.

Average commute
33.2 min
Drive alone
80.8%
Public transit
0.0%
Work from home
8.7%

Source: ACS

Monthly cost estimates for Owsley County

What it costs to live in Owsley County each month.

Single person
$2,426
per month
  • Rent $677
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $294
  • State tax $94
Couple
$3,284
per month
  • Rent $867
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $214
  • State tax $104
Family
$5,692
per month
  • Rent $1,154
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $214
  • State tax $104

Frequently asked questions about Owsley County

Common questions about cost of living, rent and salary.

What is the average rent in Owsley County?

In Owsley County, KY, a one-bedroom apartment averages $677 per month, a two-bedroom averages $867 per month, a three-bedroom averages $1,154 per month, according to HUD Fair Market Rent data.

What is the average salary in Owsley County?

In Owsley County, KY, the average household income is $31,064 per year and individual earnings for full-time workers average $28,071 per year, according to U.S. Census Bureau data.

What is the cost of living in Owsley County?

The estimated cost of living in Owsley County, KY is approximately $2,426 per month for a single person, $3,284 for a couple, $5,692 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Owsley County?

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

Is Owsley County an affordable place to live?

Based on the data, a single person in Owsley County, KY would need approximately $2,426 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $31,064 per year ($2,589 per month). Owsley County has a high cost of living relative to local earnings.

How much does healthcare cost in Owsley County?

The ACA marketplace benchmark premium in Owsley County, KY is approximately $480 per month for an individual. Approximately 6.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Owsley County?

The average home value in Owsley County, KY is $79,900, with average annual property taxes of $562, according to U.S. Census Bureau data.

How does Owsley County compare to other areas?

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