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Cincinnati, OH-KY-IN

Cost of living in Pendleton County, KY

Part of the Cincinnati Metro Area

Estimated monthly cost
$2,995/mo
for a single person, all categories combined

Population 14,683 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $993 33%
Federal tax $505 17%
Healthcare $480 16%
Transport $320 11%
Groceries $312 10%
Energy $194 6%
State tax $136 5%
Water $55 2%

Rent in Pendleton County

Fair Market Rents by bedroom count.

Studio
$883
per month
1 bedroom
$993
per month
2 bedroom
$1,287
per month
3 bedroom
$1,707
per month
4 bedroom
$1,885
per month

Source: HUD FMR FY2025

Income and earnings in Pendleton County

Annual earnings figures from the Census ACS.

Household income
$66,601
per year
Individual earnings
$40,932
per year
Per capita
$30,460
per year

Source: ACS 2019-2023 5-Year.

Home values in Pendleton County

Average values reported by homeowners.

Average home value
$160,800
Annual property tax
$1,246

Source: ACS 2019-2023 5-Year

Energy costs in Pendleton 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 Pendleton County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.4%

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 Pendleton 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 Pendleton County

Commute patterns and estimated costs.

Average commute
35.7 min
Drive alone
79.9%
Public transit
0.3%
Work from home
7.5%

Source: ACS

Monthly cost estimates for Pendleton County

What it costs to live in Pendleton County each month.

Single person
$2,995
per month
  • Rent $993
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $505
  • State tax $136
Couple
$4,368
per month
  • Rent $1,287
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $760
  • State tax $222
Family
$6,909
per month
  • Rent $1,707
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $760
  • State tax $222

Frequently asked questions about Pendleton County

Common questions about cost of living, rent and salary.

What is the average rent in Pendleton County?

In Pendleton County, KY, a one-bedroom apartment averages $993 per month, a two-bedroom averages $1,287 per month, a three-bedroom averages $1,707 per month, according to HUD Fair Market Rent data.

What is the average salary in Pendleton County?

In Pendleton County, KY, the average household income is $66,601 per year and individual earnings for full-time workers average $40,932 per year, according to U.S. Census Bureau data.

What is the cost of living in Pendleton County?

The estimated cost of living in Pendleton County, KY is approximately $2,995 per month for a single person, $4,368 for a couple, $6,909 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Pendleton County?

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

Is Pendleton County an affordable place to live?

Based on the data, a single person in Pendleton County, KY would need approximately $2,995 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $66,601 per year ($5,550 per month). Pendleton County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Pendleton County?

The ACA marketplace benchmark premium in Pendleton County, KY is approximately $480 per month for an individual. Approximately 5.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Pendleton County?

The average home value in Pendleton County, KY is $160,800, with average annual property taxes of $1,246, according to U.S. Census Bureau data.

How does Pendleton County compare to other areas?

You can compare Pendleton County, KY with any other US county using our comparison tool at /compare. Pendleton County is in the Cincinnati, OH-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 Pendleton 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