Caldwell County, Kentucky

Income Data

+3% vs. Kentucky average
$57,618
Median Household Income
$31,544
Per Capita Income

At a Glance

Median Household Income
$57,618
+3% vs. state avg
Per Capita Income
$31,544
-20% vs. national
Income-to-Housing Ratio
50.8%
income as % of home value
Rank in Kentucky
#54 / 120
by median household income

How Caldwell County Compares

Caldwell County$57,618
Kentucky Average$55,909
National Median$74,755

Detailed Income Statistics

$57,618
Median Household Income
$31,544
Per Capita Income
$113,500
Median Home Value
50.8%
Income-to-Housing Ratio

Data Story

About Household Income in Caldwell County, Kentucky

Caldwell earns above state, below nation

Caldwell County's median household income of $57,618 tops Kentucky's state average of $55,909 by nearly $1,700, but falls about $17,100 short of the national median of $74,755. This positions the county in the middle tier nationally, earning roughly 77% of what the typical American household brings home.

Strong showing in Kentucky rankings

Among Kentucky's 120 counties, Caldwell County ranks in the upper half for household income, outperforming most rural peers. The county's per capita income of $31,544 also exceeds the state average of $29,616, signaling solid earning power across the workforce.

Caldwell outpaces eastern neighbors

Caldwell's $57,618 median income comfortably beats nearby Carter County ($50,389) and Casey County ($41,689), though it trails the stronger markets of Campbell County ($77,271) to the north. Within its regional cluster, Caldwell is a solid performer with above-average stability.

Rent remains affordable for most

At 15.1%, Caldwell's rent-to-income ratio sits well below the 30% threshold considered affordable, meaning the typical renter household spends roughly $728 monthly on rent against median income. Home values averaging $113,500 remain accessible to households with down payments and stable mortgages.

Build savings with stable income

Caldwell's above-average household income creates room for financial planning; households earning near the median should prioritize building an emergency fund covering three to six months of expenses. Consider consulting a local financial advisor about retirement accounts, homeownership pathways, and wealth-building strategies suited to the county's economic landscape.

Frequently Asked Questions

What is the median household income in Caldwell County, Kentucky?
The median household income in Caldwell County, Kentucky is $57,618, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Caldwell County?
The per capita income in Caldwell County is $31,544, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $57,618.
How does Caldwell County compare to the Kentucky average?
Caldwell County's median household income of $57,618 is higher than the Kentucky state average of $55,909. The per capita income is $31,544, compared to the state average of $29,616.
What is the per capita income in Caldwell County, Kentucky?
The per capita income in Caldwell County, Kentucky is $31,544, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Why is Caldwell County income higher than the Kentucky average?
Caldwell County's median household income of $57,618 is higher than the Kentucky average of $55,909. This difference of $1,709 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Caldwell County rank for income in Kentucky?
Caldwell County ranks #54 out of 120 counties in Kentucky by median household income (1 = highest). With a median household income of $57,618 and per capita income of $31,544, it falls in the middle third of counties statewide.

Income Comparison Calculator

See how your household income compares in Caldwell County

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Your income is above the Caldwell County median

County median: $57,618 per year

vs. County Median

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vs. State Average

+3%

vs. National Median

-23%

vs. Caldwell County MedianAbout equal
vs. Kentucky Average3% above
vs. National Median23% below

Income Adequacy

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Your monthly income ($4,802) vs. median rent ($724/mo). A ratio of 3.3x or higher means rent is under 30% of income.

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.