Key Economic Benchmarks
Median Household Income
$64,669$5,389 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Pendleton County, KY
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Pendleton County, KY
Official FY2026 HUD Fair Market Rents for Cincinnati, OH-KY-IN HUD Metro FMR Area. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $958 | $11,496 | $38,320 | 17.8% |
| 1-Bedroom Apartment | $1,051 | $12,612 | $42,040 | 19.5% |
| 2-Bedroom ApartmentBenchmark | $1,353 | $16,236 | $54,120 | 25.1% |
| 3-Bedroom Home | $1,785 | $21,420 | $71,400 | 33.1% |
| 4-Bedroom Home | $1,976 | $23,712 | $79,040 | 36.7% |
50/30/20 Living Budget in Pendleton County, KY
Based on the local median household income of $64,669/year ($5,389/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Kentucky
Explore net income after federal income tax, FICA, and Kentucky state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Kentucky with official federal datasets:
Frequently Asked Questions About Living in Pendleton County, KY
What is the median household income in Pendleton County, KY?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Pendleton County, KY is $64,669 per year (approximately $5,389 per month).
What is the average rent in Pendleton County, KY?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Pendleton County, KY are $958 for a studio, $1,051 for 1 bedroom, $1,353 for 2 bedrooms, $1,785 for 3 bedrooms, and $1,976 for 4 bedrooms.
How does the cost of living in Pendleton County, KY compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Pendleton County, KY is 95.4 (4.6% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Pendleton County, KY?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,353/month) in Pendleton County, KY requires a minimum gross household income of $54,120 per year ($4,510 per month).
What is a balanced 50/30/20 monthly budget in Pendleton County, KY?
For a typical household earning the median income of $64,669/year ($5,389/month) in Pendleton County, KY, a balanced 50/30/20 budget allocates $2,695/month to essential needs (rent, utilities, groceries), $1,617/month to discretionary spending, and $1,078/month to savings and debt repayment.
What are typical electricity and utility costs in Pendleton County, KY?
Residential electricity rates in Kentucky average 14.3¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $128 per month.