1st Advantage MortgageThe median Campbell County household earns $77,567, and 11% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Kentucky before sharing details.
On this page
- Campbell County at a glance
- What it costs to live in Campbell County
- Income in Campbell County compared with Kentucky
- Employment and commuting in Campbell County
- Towns and communities in Campbell County
- Regional comparison for Campbell County
- Budget math at the Campbell County median
- Reading the Campbell County data as a borrower
- Campbell County households compared
- Licensing and complaints for Campbell County
- Four steps for Campbell County borrowers
- Related local guides
- Frequently asked questions
Campbell County at a glance
Campbell County is home to about 93,426 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 9th most populous of 120 county-level areas in Kentucky. It covers 151 square miles of land, or about 617 people per square mile. For statistical purposes it belongs to the Cincinnati, OH-KY-IN metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 16 places in the county (15 incorporated, 1 census-designated); the largest is Fort Thomas, with about 17,169 residents, or 18% of the county.
What it costs to live in Campbell County
Renters in Campbell County pay a median of $1,145 a month, 18% above the Kentucky figure of $967. By the Census definition, 49% of Campbell County renters are cost-burdened. The median owner-occupied home is valued at $252,000, about 3.2 times the median household income. Owners occupy 71% of homes.
| Campbell County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,145/mo | $967/mo | $877/mo |
| Median home value | $252,000 | $205,600 | $185,300 |
| Owners | 71% | 68% | 75% |
| Rent-burdened renters | 49% | 45% | 45% |
| Burdened owners | 22% | 23% | n/a |
| Mobile homes | 1.6% | 10.7% | n/a |
Income in Campbell County compared with Kentucky
At $77,567, the typical Campbell County household income is 18% above the median U.S. county ($65,681). In the state ranking that is 9th of 120.
| Household income | Campbell County | vs Kentucky |
|---|---|---|
| Under $35,000 | 21.1% | -6.8 pts |
| $35,000 to $99,999 | 39.8% | -2.1 pts |
| $100,000 to $199,999 | 26.6% | +3.6 pts |
| $200,000 or more | 12.5% | +5.2 pts |
Some 21% of households here live on less than $35,000 a year; 39% have six-figure incomes. Census counts 11.1% of Campbell County residents in poverty, against 16.1% across Kentucky. None of these numbers decides a Campbell County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Campbell County
The biggest employer of Campbell County residents, by industry, is education and health care at 24% of workers, followed by professional and administrative services (13%). Compared with Kentucky, the county leans toward professional and administrative services (13% against 9%). ACS puts five-year average unemployment at 4.0% in Campbell County. About 72% drive to work alone and 9% have trips of 45 minutes or more.
| Industry | Share of Campbell County workers | vs Kentucky |
|---|---|---|
| Education and health care | 24.4% | +0.2 pts |
| Professional and administrative services | 13.2% | +4.2 pts |
| Manufacturing | 10.1% | -4.2 pts |
| Finance, insurance and real estate | 9.5% | +3.8 pts |
| Arts, lodging and food service | 9.0% | +1.1 pts |
| Retail trade | 8.8% | -2.8 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Towns and communities in Campbell County
The table lists the 14 largest of 16 Census places in Campbell County, by population. Together all 16 hold about 78,606 people, so roughly 16% of residents live outside any named place. Incomes vary by place: $104,350 at the median in Fort Thomas, $46,595 in Silver Grove. Rent is cheapest in Silver Grove ($587) and steepest in Crestview ($1,521). No Campbell County place has a separate guide yet; this county page serves all 16.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Fort Thomas | city | 17,169 | $104,350 | $1,126 | 10 mi |
| Newport | city | 13,967 | $60,853 | $1,087 | 11 mi |
| Alexandria | city | 10,562 | $102,239 | $1,195 | 1 mi |
| Highland Heights | city | 6,444 | $53,275 | $1,144 | 7 mi |
| Cold Spring | city | 6,341 | $75,000 | $1,191 | 6 mi |
| Dayton | city | 5,743 | $65,992 | $1,137 | 12 mi |
| Bellevue | city | 5,636 | $71,166 | $1,265 | 12 mi |
| Southgate | city | 3,717 | $54,421 | $1,078 | 9 mi |
| Claryville | CDP | 3,251 | $81,458 | $1,087 | 3 mi |
| Wilder | city | 3,135 | $70,893 | $1,432 | 9 mi |
| Silver Grove | city | 1,008 | $46,595 | $587 | 7 mi |
| Melbourne | city | 627 | $80,000 | $638 | 6 mi |
| Crestview | city | 505 | $93,750 | $1,521 | 6 mi |
| Mentor | city | 271 | $90,625 | $685 | 8 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Regional comparison for Campbell County
Six nearby counties, 8 to 23 miles away by the straight-line distance between their centers. Income ranges from $64,669 in Pendleton County to $99,414 in Boone County; 3 of these neighbors top Campbell County's median. Some neighbors are in Ohio. Lender licensing is state by state, so a loan for a Campbell County resident follows Kentucky rules.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Campbell County | - | $77,567 | $1,145/mo | 71% |
| Kenton County, KY | 8 mi | $80,548 | $1,069/mo | 71% |
| Clermont County, OH | 14 mi | $85,510 | $1,107/mo | 74% |
| Pendleton County, KY | 17 mi | $64,669 | $793/mo | 75% |
| Boone County, KY | 19 mi | $99,414 | $1,373/mo | 76% |
| Hamilton County, OH | 19 mi | $72,470 | $1,075/mo | 59% |
| Bracken County, KY | 23 mi | $66,319 | $756/mo | 79% |
Budget math at the Campbell County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Campbell County household at the medians it works out like this; treat it as an illustration only.
- $77,567 a year is $6,464 of gross monthly income
- 18% goes to median rent ($1,145)
- $1,117: what a 35% ratio leaves once rent is paid
- $1,764: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Reading the Campbell County data as a borrower
Based on the Campbell County data above, these borrowing questions are most likely to matter locally.
- Rent squeeze. 49% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
Campbell County households compared
Degree holders: 40% of adults over 25. 4.9% of residents have no health coverage.
| Residents | Campbell County | Kentucky | Middle U.S. county |
|---|---|---|---|
| Median age | 39.3 | 39.1 | 41.5 |
| Bachelor's or higher | 39.7% | 27.6% | 22.2% |
| No high school diploma | 6.1% | 11.1% | n/a |
| No health insurance | 4.9% | 6.0% | 7.8% |
| No vehicle | 5.7% | 6.8% | 5.4% |
| Work from home | 17.1% | 10.2% | 8.7% |
| Poverty rate | 11.1% | 16.1% | 13.2% |
| Unemployment (ACS) | 4.0% | 4.9% | 4.4% |
| One-way commute | Share of Campbell County workers |
|---|---|
| Under 15 min | 25.6% |
| 15 to 29 min | 42.7% |
| 30 to 44 min | 22.7% |
| 45 to 59 min | 4.6% |
| 60+ min | 4.4% |
Licensing and complaints for Campbell County
Consumer lenders serving Campbell County are licensed by the state, not the county; in Kentucky that is the Kentucky Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Kentucky guide covers state rules in more detail.
Four steps for Campbell County borrowers
A short checklist for Campbell County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Kentucky.
- Confirm the first due date before setting up autopay.
Related local guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
What does a typical Campbell County household make?
About $77,567 a year at the median (ACS 2020-24), 22% above the Kentucky median.
What do renters pay in Campbell County?
$1,145 a month at the median, about 18% of median household income.
I own my home in Campbell County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 71% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Fort Thomas?
Yes, along with the other 15 Census places in Campbell County, such as Newport, Alexandria, Highland Heights.
Are Campbell 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.