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Kentucky

Cost of living in Rowan County, KY

Estimated monthly cost
$2,449/mo
for a single person, all categories combined

Population 24,525 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $704 29%
Healthcare $480 20%
Transport $320 13%
Groceries $312 13%
Federal tax $291 12%
Energy $194 8%
State tax $93 4%
Water $55 2%

Rent in Rowan County

Fair Market Rents by bedroom count.

Studio
$601
per month
1 bedroom
$704
per month
2 bedroom
$876
per month
3 bedroom
$1,103
per month
4 bedroom
$1,471
per month

Source: HUD FMR FY2025

Income and earnings in Rowan County

Annual earnings figures from the Census ACS.

Household income
$53,657
per year
Individual earnings
$27,855
per year
Per capita
$30,257
per year

Source: ACS 2019-2023 5-Year.

Home values in Rowan County

Average values reported by homeowners.

Average home value
$155,900
Annual property tax
$862

Source: ACS 2019-2023 5-Year

Energy costs in Rowan 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 Rowan County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.7%

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 Rowan 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 Rowan County

Commute patterns and estimated costs.

Average commute
22.9 min
Drive alone
75.2%
Public transit
0.8%
Work from home
7.3%

Source: ACS

Monthly cost estimates for Rowan County

What it costs to live in Rowan County each month.

Single person
$2,449
per month
  • Rent $704
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $291
  • State tax $93
Couple
$3,702
per month
  • Rent $876
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $548
  • State tax $179
Family
$6,050
per month
  • Rent $1,103
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $548
  • State tax $179

Frequently asked questions about Rowan County

Common questions about cost of living, rent and salary.

What is the average rent in Rowan County?

In Rowan County, KY, a one-bedroom apartment averages $704 per month, a two-bedroom averages $876 per month, a three-bedroom averages $1,103 per month, according to HUD Fair Market Rent data.

What is the average salary in Rowan County?

In Rowan County, KY, the average household income is $53,657 per year and individual earnings for full-time workers average $27,855 per year, according to U.S. Census Bureau data.

What is the cost of living in Rowan County?

The estimated cost of living in Rowan County, KY is approximately $2,449 per month for a single person, $3,702 for a couple, $6,050 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Rowan County?

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

Is Rowan County an affordable place to live?

Based on the data, a single person in Rowan County, KY would need approximately $2,449 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $53,657 per year ($4,471 per month). Rowan County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Rowan County?

The ACA marketplace benchmark premium in Rowan County, KY is approximately $480 per month for an individual. Approximately 5.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Rowan County?

The average home value in Rowan County, KY is $155,900, with average annual property taxes of $862, according to U.S. Census Bureau data.

How does Rowan County compare to other areas?

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