1st Advantage MortgageAbout 80% of Casey County homes are owner-occupied, and the median household income is $45,510. 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
- Casey County by the numbers
- What Casey County households earn
- What it costs to live in Casey County
- Jobs and commutes in Casey County
- Regional comparison for Casey County
- Cities, towns and CDPs in Casey County
- Room for a loan payment in Casey County
- Borrowing situations common in Casey County
- Casey County households compared
- Licensing and complaints for Casey County
- Steps before you apply in Casey County
- More guides for Casey County
- Frequently asked questions
Casey County by the numbers
Casey County is home to about 15,914 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 71st most populous of 120 county-level areas in Kentucky. Spread over 444 square miles, that works out to roughly 35.8 residents per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 1 place in the county (1 incorporated, 0 census-designated); the largest is Liberty, with about 1,672 residents, or 11% of the county.
What Casey County households earn
Half of Casey County households take in less than $45,510 a year and half take in more, 29% below the Kentucky median of $63,726. Only 93 Kentucky counties post a higher median.
| Yearly household income | Casey County | Gap to Kentucky |
|---|---|---|
| Under $35,000 | 39.1% | +11.1 pts |
| $35,000 to $99,999 | 42.9% | +0.9 pts |
| $100,000 to $199,999 | 14.8% | -8.1 pts |
| $200,000 or more | 3.2% | -4.0 pts |
About 39% of households earn under $35,000, while 18% clear $100,000. Census counts 21.7% of Casey County residents in poverty, against 16.1% across Kentucky. The Gini index of income inequality is 0.487 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
What it costs to live in Casey County
Renters in Casey County pay a median of $670 a month, 31% below the Kentucky figure of $967. Rent takes 30% or more of income for 57% of renter households here. The median owner-occupied home is valued at $136,300, about 3.0 times the median household income. 80% of Casey County households own their home and 20% rent. Half the housing stock was built before 1985.
| Measure | Casey County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $670/mo | $967/mo | $877/mo |
| Median home value | $136,300 | $205,600 | $185,300 |
| Owners | 80% | 68% | 75% |
| Rent-burdened renters | 57% | 45% | 45% |
| Burdened owners | 24% | 23% | n/a |
| Mobile homes | 22.8% | 10.7% | n/a |
| Vacant units | 13% | 10% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Jobs and commutes in Casey County
By the Census industry count, 23% of employed Casey County residents work in manufacturing and 21% in education and health care. The sharpest difference from the state is in manufacturing, at 23% locally and 14% for Kentucky. ACS puts five-year average unemployment at 8.9% in Casey County. About 74% drive to work alone and 21% have trips of 45 minutes or more. Only 9.6% of homes here go without a vehicle.
| Top industries | Casey County share | +/- vs Kentucky |
|---|---|---|
| Manufacturing | 22.7% | +8.4 pts |
| Education and health care | 21.2% | -3.1 pts |
| Retail trade | 10.8% | -0.7 pts |
| Transportation, warehousing and utilities | 8.0% | +1.0 pts |
| Construction | 7.4% | +1.1 pts |
| Arts, lodging and food service | 5.6% | -2.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Regional comparison for Casey County
Distances run center to center, from Lincoln County at 18 miles out to Adair County at 25. Boyle County leads the group on income ($61,159), Russell County trails ($44,738), and Casey County out-earns 1 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Casey County | - | $45,510 | $670/mo | 80% |
| Lincoln County, KY | 18 mi | $52,440 | $698/mo | 76% |
| Boyle County, KY | 21 mi | $61,159 | $778/mo | 68% |
| Taylor County, KY | 22 mi | $60,456 | $718/mo | 69% |
| Russell County, KY | 24 mi | $44,738 | $681/mo | 71% |
| Pulaski County, KY | 24 mi | $51,898 | $803/mo | 72% |
| Adair County, KY | 25 mi | $53,553 | $771/mo | 77% |
Cities, towns and CDPs in Casey County
Just one Census place, Liberty, lies mainly within Casey County; it holds about 1,672 people. Liberty has no separate guide, so this county page serves it.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Liberty | city | 1,672 | $28,704 | $617 | 0 mi |
Room for a loan payment in Casey County
How much room does a median Casey 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: $3,792 before taxes
- Rent at the median, $670, takes 18% of that
- 36% debt-to-income limit: $695 left for all other debt payments
Two-income households and single earners in Casey County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Casey County
What the Casey County figures suggest, and what to check first:
- Hospital bills in Casey County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Commuter costs. 21% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 23% of Casey County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- 22% below poverty. Emergency aid, payment plans and counseling (list) come first.
Casey County households compared
College graduates make up 13% of the adult population. About 13% go without health insurance.
| People and households | Casey County | Kentucky | Median county |
|---|---|---|---|
| Median age | 42.0 | 39.1 | 41.5 |
| Bachelor's or higher | 12.9% | 27.6% | 22.2% |
| No high school diploma | 21.4% | 11.1% | n/a |
| No health insurance | 13.0% | 6.0% | 7.8% |
| No vehicle | 9.6% | 6.8% | 5.4% |
| Work from home | 9.6% | 10.2% | 8.7% |
| Poverty rate | 21.7% | 16.1% | 13.2% |
| Unemployment (ACS) | 8.9% | 4.9% | 4.4% |
| One-way commute | Share of Casey County workers |
|---|---|
| Under 15 min | 22.0% |
| 15 to 29 min | 39.6% |
| 30 to 44 min | 17.1% |
| 45 to 59 min | 13.0% |
| 60+ min | 8.2% |
Licensing and complaints for Casey County
Before sharing details with a lender, a Casey County resident can confirm its license with the Kentucky Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. See the Kentucky state guide for the statewide picture.
Steps before you apply in Casey County
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Casey County.
- Collect three written offers and compare APR and total repaid.
- Look the lender up with the state regulator first.
- Ask about early-payoff penalties.
More guides for Casey County
The Kentucky guide covers the whole state.
Frequently asked questions
How much do households in Casey County earn?
The median is $45,510; 18% earn $100,000 or more and 39% under $35,000. A lender uses your own documented income, not this figure.
How does Casey County rent compare with Kentucky?
$670 locally versus $967 for the state, 31% below.
Does this page cover Liberty?
Yes, along with the other 0 Census places in Casey County.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Casey County or elsewhere in Kentucky, the same rules apply.
Who do I complain to about a lender in Casey County?
Start with the Kentucky Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.