1st Advantage MortgageIn Bullitt County, Kentucky, the typical household earns $80,558 a year and the typical rent is $987. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Kentucky license first.
On this page
- Bullitt County by the numbers
- Household income in Bullitt County
- What it costs to live in Bullitt County
- How Bullitt County residents earn a living
- Places inside Bullitt County
- Regional comparison for Bullitt County
- What a median Bullitt County budget can carry
- Who lives in Bullitt County, in numbers
- Before borrowing in Bullitt County
- Checklist for Bullitt County applicants
- Licensing and complaints for Bullitt County
- Related local guides
- Frequently asked questions
Bullitt County by the numbers
With an estimated 84,027 residents (ACS 2020 to 2024), Bullitt County ranks 10th of 120 in Kentucky for population. Land area is 297 square miles (2024 Gazetteer), so density runs near 283 per square mile. The federal metro definitions (OMB, July 2023) place it in the Louisville/Jefferson County, KY-IN metropolitan area. The Census Bureau counts 9 places in the county (8 incorporated, 1 census-designated); the largest is Mount Washington, with about 18,480 residents, or 22% of the county.
Household income in Bullitt County
The median household income in Bullitt County is $80,558; statewide it is $63,726, so Bullitt County runs 26% above Kentucky as a whole. That places it 7th among Kentucky's 120 county-level areas.
| Households earning | Bullitt County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 18.2% | -9.7 pts |
| $35,000 to $99,999 | 42.7% | +0.7 pts |
| $100,000 to $199,999 | 30.4% | +7.5 pts |
| $200,000 or more | 8.7% | +1.5 pts |
About 18% of households earn under $35,000, while 39% clear $100,000. The poverty rate is 9.7%, 6 points lower than the state's 16.1%. Income inequality, measured by the Gini index, comes to 0.403 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 Bullitt County median.
What it costs to live in Bullitt County
Renters in Bullitt County pay a median of $987 a month, 2% above the Kentucky figure of $967. By the Census definition, 45% of Bullitt County renters are cost-burdened. With a median value of $247,200, a typical Bullitt County house costs 3.1 times what the median household earns in a year. Owners occupy 85% of homes. Median construction year: 1993.
| Housing | Bullitt County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $987/mo | $967/mo | $877/mo |
| Median home value | $247,200 | $205,600 | $185,300 |
| Owners | 85% | 68% | 75% |
| Rent-burdened renters | 45% | 45% | 45% |
| Burdened owners | 21% | 23% | n/a |
| Vacant units | 6% | 10% | n/a |
Because most Bullitt 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 Bullitt County residents earn a living
The biggest employer of Bullitt County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (14%). Transportation, warehousing and utilities stands out: 13% of workers here, versus 7% statewide. Averaged over the five survey years, 4.3% of the labor force was out of work and looking. Long commutes are the exception here: 15% of workers spend 45 minutes or longer getting to work. 4.0% of households have no vehicle.
| Top industries | Bullitt County share | +/- vs Kentucky |
|---|---|---|
| Education and health care | 19.7% | -4.6 pts |
| Manufacturing | 14.3% | 0.0 pts |
| Transportation, warehousing and utilities | 12.8% | +5.8 pts |
| Retail trade | 12.0% | +0.4 pts |
| Professional and administrative services | 9.2% | +0.2 pts |
| Construction | 7.6% | +1.3 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Places inside Bullitt County
Here are the 9 most populous of the county's 9 Census places, with income and rent from the same 2020 to 2024 survey. About 61% of Bullitt County residents live in one of the 9. Mount Washington has the highest median household income on the list ($96,239) and Lebanon Junction the lowest ($54,778), counting places with at least 500 residents. Median rent ranges from $693 in Hebron Estates to $1,372 in Pioneer Village. None of the 9 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 |
|---|---|---|---|---|---|
| Mount Washington | city | 18,480 | $96,239 | $1,008 | 9 mi |
| Shepherdsville | city | 14,533 | $71,476 | $943 | 1 mi |
| Hillview | city | 8,797 | $68,111 | $1,316 | 6 mi |
| Pioneer Village | city | 2,723 | $84,167 | $1,372 | 6 mi |
| Lebanon Junction | city | 2,327 | $54,778 | $827 | 9 mi |
| Brooks | CDP | 2,069 | $66,056 | n/a | 7 mi |
| Hebron Estates | city | 1,276 | $54,861 | $693 | 6 mi |
| Fox Chase | city | 610 | $93,125 | n/a | 5 mi |
| Hunters Hollow | city | 357 | $70,313 | $1,339 | 8 mi |
Regional comparison for Bullitt County
Nearest neighbors first, measured between county centers (15 to 27 miles). Income ranges from $67,647 in Hardin County to $102,618 in Spencer County; 1 of these neighbors top Bullitt County's median. Some neighbors are in Indiana. Lender licensing is state by state, so a loan for a Bullitt County resident follows Kentucky rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Bullitt County | - | $80,558 | $987/mo | 85% |
| Jefferson County, KY | 15 mi | $69,866 | $1,149/mo | 62% |
| Nelson County, KY | 17 mi | $69,562 | $1,008/mo | 78% |
| Spencer County, KY | 21 mi | $102,618 | $987/mo | 88% |
| Hardin County, KY | 24 mi | $67,647 | $971/mo | 63% |
| Harrison County, IN | 26 mi | $74,475 | $836/mo | 84% |
| Floyd County, IN | 27 mi | $79,704 | $1,036/mo | 73% |
What a median Bullitt County budget can carry
Here is the Bullitt County median household run through a simple DTI check. Your numbers will differ.
- $80,558 a year is $6,713 of gross monthly income
- Median rent: $987, or 15 cents of every gross dollar
- With a 43% ceiling, about $1,900 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Who lives in Bullitt County, in numbers
Degree holders: 19% of adults over 25. 2.8% of residents have no health coverage.
| Measure | Bullitt County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 41.7 | 39.1 | 41.5 |
| Bachelor's or higher | 19.5% | 27.6% | 22.2% |
| No high school diploma | 9.9% | 11.1% | n/a |
| No health insurance | 2.8% | 6.0% | 7.8% |
| No vehicle | 4.0% | 6.8% | 5.4% |
| Work from home | 10.0% | 10.2% | 8.7% |
| Poverty rate | 9.7% | 16.1% | 13.2% |
| Unemployment (ACS) | 4.3% | 4.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 16.9% |
| 15 to 29 min | 34.3% |
| 30 to 44 min | 33.9% |
| 45 to 59 min | 9.8% |
| 60+ min | 5.1% |
Before borrowing in Bullitt County
What the Bullitt County figures suggest, and what to check first:
- Renters under pressure. When 45% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Checklist for Bullitt County applicants
Before you apply, wherever you live in Bullitt County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Kentucky.
- Ask about early-payoff penalties.
Licensing and complaints for Bullitt County
Before sharing details with a lender, a Bullitt County resident can confirm its license with the Kentucky Department of Financial Institutions. Problems with a lender can also go to the CFPB. More on Kentucky: Kentucky personal loans.
Related local guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
What is the median household income in Bullitt County?
$80,558 a year in the 2020 to 2024 Census survey, versus $63,726 for Kentucky. It ranks 7th of 120 in the state.
How much is rent in Bullitt County?
Median gross rent, utilities included, is $987 a month; 45% of renters spend 30% or more of income on it.
Should Bullitt County homeowners use home equity instead?
Maybe, but weigh the risk: 85% of Bullitt County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Mount Washington?
Yes, along with the other 8 Census places in Bullitt County, such as Shepherdsville, Hillview, Pioneer Village.
Are Bullitt County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.