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Kentucky

Cost of living in Union County, KY

Estimated monthly cost
$2,593/mo
for a single person, all categories combined

Population 13,379 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $674 26%
Healthcare $480 19%
Federal tax $436 17%
Transport $320 12%
Groceries $312 12%
Energy $194 7%
State tax $122 5%
Water $55 2%

Rent in Union County

Fair Market Rents by bedroom count.

Studio
$636
per month
1 bedroom
$674
per month
2 bedroom
$884
per month
3 bedroom
$1,065
per month
4 bedroom
$1,172
per month

Source: HUD FMR FY2025

Income and earnings in Union County

Annual earnings figures from the Census ACS.

Household income
$60,989
per year
Individual earnings
$36,749
per year
Per capita
$30,328
per year

Source: ACS 2019-2023 5-Year.

Home values in Union County

Average values reported by homeowners.

Average home value
$109,000
Annual property tax
$858

Source: ACS 2019-2023 5-Year

Energy costs in Union 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 Union 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 Union 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 Union County

Commute patterns and estimated costs.

Average commute
22.7 min
Drive alone
83.1%
Public transit
0.0%
Work from home
5.0%

Source: ACS

Monthly cost estimates for Union County

What it costs to live in Union County each month.

Single person
$2,593
per month
  • Rent $674
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $436
  • State tax $122
Couple
$3,854
per month
  • Rent $884
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $668
  • State tax $203
Family
$6,156
per month
  • Rent $1,065
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $668
  • State tax $203

Frequently asked questions about Union County

Common questions about cost of living, rent and salary.

What is the average rent in Union County?

In Union County, KY, a one-bedroom apartment averages $674 per month, a two-bedroom averages $884 per month, a three-bedroom averages $1,065 per month, according to HUD Fair Market Rent data.

What is the average salary in Union County?

In Union County, KY, the average household income is $60,989 per year and individual earnings for full-time workers average $36,749 per year, according to U.S. Census Bureau data.

What is the cost of living in Union County?

The estimated cost of living in Union County, KY is approximately $2,593 per month for a single person, $3,854 for a couple, $6,156 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Union County?

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

Is Union County an affordable place to live?

Based on the data, a single person in Union County, KY would need approximately $2,593 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $60,989 per year ($5,082 per month). Union County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Union County?

The ACA marketplace benchmark premium in Union 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 Union County?

The average home value in Union County, KY is $109,000, with average annual property taxes of $858, according to U.S. Census Bureau data.

How does Union County compare to other areas?

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