1st Advantage MortgageIn Bracken County, Kentucky, the typical household earns $66,319 a year and the typical rent is $756. 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
- Who lives in Bracken County
- Bracken County housing compared with Kentucky
- How much Bracken County households make
- Work, industries and travel time in Bracken County
- The communities that make up Bracken County
- How Bracken County compares with nearby counties
- Room for a loan payment in Bracken County
- Local borrowing considerations for Bracken County
- Who lives in Bracken County, in numbers
- Checking a lender's license in Kentucky
- Before you sign
- More guides for Bracken County
- Frequently asked questions
Who lives in Bracken County
With an estimated 8,444 residents (ACS 2020 to 2024), Bracken County ranks 108th of 120 in Kentucky for population. Spread over 203 square miles, that works out to roughly 41.7 residents per square mile. The federal metro definitions (OMB, July 2023) place it in the Cincinnati, OH-KY-IN metropolitan area. Of the 3 Census places inside Bracken County, Augusta leads by population with about 1,510; 3 of the 3 are incorporated. Because Bracken County is small, the survey's margins of error are wide; treat the numbers as approximate.
Bracken County housing compared with Kentucky
Renters in Bracken County pay a median of $756 a month, 22% below the Kentucky figure of $967. By the Census definition, 41% of Bracken County renters are cost-burdened. Home values center on $125,000, or 1.9 years of median income. 79% of Bracken County households own their home and 21% rent. The median year built is 1986.
| Measure | Bracken County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $756/mo | $967/mo | $877/mo |
| Median home value | $125,000 | $205,600 | $185,300 |
| Owners | 79% | 68% | 75% |
| Rent-burdened renters | 41% | 45% | 45% |
| Burdened owners | 22% | 23% | n/a |
| Vacant units | 13% | 10% | n/a |
Because most Bracken County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
How much Bracken County households make
Half of Bracken County households take in less than $66,319 a year and half take in more, 4% above the Kentucky median of $63,726.
| Households earning | Bracken County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 27.1% | -0.8 pts |
| $35,000 to $99,999 | 39.9% | -2.0 pts |
| $100,000 to $199,999 | 26.0% | +3.1 pts |
| $200,000 or more | 7.0% | -0.2 pts |
The spread is wide: 33% of Bracken County households make $100,000 or more, and 27% make less than $35,000. 19.5% of residents fall below the federal poverty line (statewide: 16.1%). Income inequality, measured by the Gini index, comes to 0.442 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Bracken County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 18%. Compared with Kentucky, the county leans toward construction (11% against 6%). The survey's unemployment rate for Bracken County averages 4.8% over 2020 to 2024 (state: 4.9%). 42% of commuters travel 45 minutes or more each way, and 3% work from home.
| Industry | Share of Bracken County workers | vs Kentucky |
|---|---|---|
| Education and health care | 21.8% | -2.5 pts |
| Manufacturing | 17.9% | +3.6 pts |
| Retail trade | 12.5% | +1.0 pts |
| Construction | 11.2% | +4.8 pts |
| Finance, insurance and real estate | 5.8% | +0.2 pts |
| Professional and administrative services | 5.4% | -3.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Bracken County should have bank statements and tax returns ready.
The communities that make up Bracken County
The table lists the 3 largest of 3 Census places in Bracken County, by population. Together all 3 hold about 2,625 people, so roughly 69% of residents live outside any named place. None of the 3 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Augusta | city | 1,510 | $51,250 | $744 | 9 mi |
| Brooksville | city | 883 | $54,844 | $716 | 3 mi |
| Germantown | city | 232 | $77,000 | $1,292 | 8 mi |
How Bracken County compares with nearby counties
Distances run center to center, from Robertson County at 12 miles out to Campbell County at 23. 3 of the six report a higher median household income than Bracken County; Campbell County is highest at $77,567 and Robertson County lowest at $51,830. The list crosses into Ohio, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Bracken County | - | $66,319 | $756/mo | 79% |
| Robertson County, KY | 12 mi | $51,830 | $548/mo | 80% |
| Pendleton County, KY | 13 mi | $64,669 | $793/mo | 75% |
| Mason County, KY | 17 mi | $52,178 | $727/mo | 66% |
| Harrison County, KY | 20 mi | $66,442 | $765/mo | 71% |
| Brown County, OH | 22 mi | $71,270 | $817/mo | 77% |
| Campbell County, KY | 23 mi | $77,567 | $1,145/mo | 71% |
Room for a loan payment in Bracken County
How much room does a median Bracken County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,527 before taxes
- 14% goes to median rent ($756)
- Under a 36% cap, $1,990 total minus rent leaves $1,234
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Local borrowing considerations for Bracken County
What the Bracken County figures suggest, and what to check first:
- Keeping the car running. At 42% with long commutes, repairs are a frequent Bracken County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 29% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Assistance before credit. With a 20% poverty rate, check no-cost options before any Bracken County loan.
Who lives in Bracken County, in numbers
18% of Bracken County adults 25 and older hold a bachelor's degree or more. 4.7% of residents have no health coverage.
| Measure | Bracken County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 42.0 | 39.1 | 41.5 |
| Bachelor's or higher | 17.8% | 27.6% | 22.2% |
| No high school diploma | 10.8% | 11.1% | n/a |
| No health insurance | 4.7% | 6.0% | 7.8% |
| No vehicle | 2.9% | 6.8% | 5.4% |
| Work from home | 3.4% | 10.2% | 8.7% |
| Poverty rate | 19.5% | 16.1% | 13.2% |
| Unemployment (ACS) | 4.8% | 4.9% | 4.4% |
| Minutes to work | Bracken County workers |
|---|---|
| Under 15 min | 23.9% |
| 15 to 29 min | 17.8% |
| 30 to 44 min | 16.7% |
| 45 to 59 min | 18.8% |
| 60+ min | 22.9% |
Checking a lender's license in Kentucky
Before sharing details with a lender, a Bracken County resident can confirm its license with the Kentucky Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. The Kentucky guide covers state rules in more detail.
Before you sign
Steps that save money for Bracken County residents:
- Price the Bracken County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Ask about early-payoff penalties.
More guides for Bracken County
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
How much do households in Bracken County earn?
The median is $66,319; 33% earn $100,000 or more and 27% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Bracken County?
Median gross rent, utilities included, is $756 a month; 41% of renters spend 30% or more of income on it.
Does this page cover Augusta?
Yes, along with the other 2 Census places in Bracken County, such as Brooksville, Germantown.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Bracken County or elsewhere in Kentucky, the same rules apply.
Who regulates personal lenders for Bracken 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.