1st Advantage MortgageAbout 68% of Boyle County homes are owner-occupied, and the median household income is $61,159. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Boyle County at a glance
- Paychecks and income spread in Boyle County
- The Boyle County job picture
- Boyle County housing compared with Kentucky
- Boyle County towns compared
- Regional comparison for Boyle County
- Debt-to-income at Boyle County's medians
- Local borrowing considerations for Boyle County
- People and households in Boyle County
- Checklist for Boyle County applicants
- Licensing and complaints for Boyle County
- Related local guides
- Frequently asked questions
Boyle County at a glance
Boyle County is home to about 30,941 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 33rd most populous of 120 county-level areas in Kentucky. It covers 180 square miles of land, or about 172 people per square mile. Under the July 2023 OMB definitions, Boyle County is not part of any metropolitan area. Danville is the biggest of its 3 Census places, at roughly 17,327 people (56% of the county total).
Paychecks and income spread in Boyle County
Boyle County households have a median income of $61,159 (ACS 2020 to 2024), which ranks 42nd of 120 in Kentucky.
| Yearly household income | Boyle County | Gap to Kentucky |
|---|---|---|
| Under $35,000 | 29.2% | +1.3 pts |
| $35,000 to $99,999 | 41.8% | -0.1 pts |
| $100,000 to $199,999 | 24.8% | +1.9 pts |
| $200,000 or more | 4.1% | -3.1 pts |
Some 29% of households here live on less than $35,000 a year; 29% have six-figure incomes. 15.6% of residents fall below the federal poverty line (statewide: 16.1%). Income inequality, measured by the Gini index, comes to 0.457 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Boyle County median.
The Boyle County job picture
Education and health care employs 26% of working residents, the largest share; manufacturing is next with 17%. Retail trade stands out: 15% of workers here, versus 12% statewide. The survey's unemployment rate for Boyle County averages 5.8% over 2020 to 2024 (state: 4.9%). 14% of commuters travel 45 minutes or more each way, and 10% work from home.
| Sector | Boyle County | Compared with Kentucky |
|---|---|---|
| Education and health care | 26.0% | +1.7 pts |
| Manufacturing | 16.9% | +2.6 pts |
| Retail trade | 14.6% | +3.0 pts |
| Arts, lodging and food service | 7.5% | -0.3 pts |
| Professional and administrative services | 6.3% | -2.7 pts |
| Transportation, warehousing and utilities | 5.6% | -1.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Boyle County should have bank statements and tax returns ready.
Boyle County housing compared with Kentucky
A typical Boyle County rental runs $778 a month including utilities, which is 20% below Kentucky. Rent takes 30% or more of income for 49% of renter households here. With a median value of $209,900, a typical Boyle County house costs 3.4 times what the median household earns in a year. The ownership rate is 68%.
| Boyle County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median gross rent | $778/mo | $967/mo | $877/mo |
| Median home value | $209,900 | $205,600 | $185,300 |
| Owners | 68% | 68% | 75% |
| Rent-burdened renters | 49% | 45% | 45% |
| Burdened owners | 21% | 23% | n/a |
| Mobile homes | 4.6% | 10.7% | n/a |
| Vacant units | 7% | 10% | n/a |
Boyle County towns compared
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 68% of Boyle County residents live in one of the 3. Among places of 500 or more people, median income runs from $45,938 in Junction City to $62,552 in Perryville. This guide covers each of the 3 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Danville | city | 17,327 | $52,646 | $762 | 5 mi |
| Junction City | city | 2,643 | $45,938 | $969 | 5 mi |
| Perryville | city | 970 | $62,552 | $464 | 5 mi |
Regional comparison for Boyle County
The six counties whose centers lie closest to Boyle County's, from 13 to 22 miles away. 3 of the six report a higher median household income than Boyle County; Mercer County is highest at $64,824 and Casey County lowest at $45,510.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Boyle County | - | $61,159 | $778/mo | 68% |
| Mercer County, KY | 13 mi | $64,824 | $831/mo | 76% |
| Lincoln County, KY | 16 mi | $52,440 | $698/mo | 76% |
| Garrard County, KY | 18 mi | $63,087 | $794/mo | 80% |
| Washington County, KY | 19 mi | $61,616 | $744/mo | 78% |
| Casey County, KY | 21 mi | $45,510 | $670/mo | 80% |
| Marion County, KY | 22 mi | $59,627 | $726/mo | 78% |
Debt-to-income at Boyle County's medians
Boyle County at the medians, through a lender's eyes (what DTI means):
- $61,159 a year is $5,097 of gross monthly income
- Rent at the median, $778, takes 15% of that
- Under a 36% cap, $1,835 total minus rent leaves $1,057
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Local borrowing considerations for Boyle County
What the Boyle County figures suggest, and what to check first:
- 49% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
People and households in Boyle County
College graduates make up 26% of the adult population. 6.3% of residents have no health coverage.
| Indicator | Boyle County | All of Kentucky | U.S. county median |
|---|---|---|---|
| Median age | 39.5 | 39.1 | 41.5 |
| Bachelor's or higher | 26.2% | 27.6% | 22.2% |
| No high school diploma | 8.4% | 11.1% | n/a |
| No health insurance | 6.3% | 6.0% | 7.8% |
| No vehicle | 5.8% | 6.8% | 5.4% |
| Work from home | 10.0% | 10.2% | 8.7% |
| Poverty rate | 15.6% | 16.1% | 13.2% |
| Unemployment (ACS) | 5.8% | 4.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 44.5% |
| 15 to 29 min | 30.6% |
| 30 to 44 min | 10.8% |
| 45 to 59 min | 7.1% |
| 60+ min | 7.1% |
Checklist for Boyle County applicants
Before you apply, wherever you live in Boyle County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Boyle County-area credit union.
- Verify the Kentucky license before giving out your Social Security number.
- Never pay a fee up front to get a loan.
Licensing and complaints for Boyle County
Consumer lenders serving Boyle County are licensed by the state, not the county; in Kentucky that is the Kentucky Department of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Kentucky guide.
Related local guides
The Kentucky guide covers the whole state.
Frequently asked questions
What does a typical Boyle County household make?
About $61,159 a year at the median (ACS 2020-24), 4% below the Kentucky median.
What do renters pay in Boyle County?
$778 a month at the median, about 15% of median household income.
Which towns does the Boyle County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Danville, Junction City, Perryville.
Does living in Boyle County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Boyle County resident as anyone. Lenders decide under fair-lending law.
Who regulates personal lenders for Boyle County residents?
The Kentucky Department of Financial Institutions licenses consumer lenders in Kentucky; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.