1st Advantage MortgageThe median Christian County household earns $55,494, and 17% 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
- Christian County, KY: the basics
- What Christian County households earn
- Renting and owning in Christian County
- Work, industries and travel time in Christian County
- The counties around Christian County
- Towns and communities in Christian County
- What a median Christian County budget can carry
- More Christian County figures
- Borrowing situations common in Christian County
- Kentucky rules that apply in Christian County
- Before you sign
- Related local guides
- Frequently asked questions
Christian County, KY: the basics
With an estimated 72,069 residents (ACS 2020 to 2024), Christian County ranks 11th of 120 in Kentucky for population. Packed into 718 square miles, that is close to 100 residents for every square mile of land. For statistical purposes it belongs to the Clarksville, TN-KY metro area, as delineated by the Office of Management and Budget in July 2023. Of the 7 Census places inside Christian County, Hopkinsville leads by population with about 30,906; 5 of the 7 are incorporated.
What Christian County households earn
Christian County households have a median income of $55,494 (ACS 2020 to 2024), which ranks 67th of 120 in Kentucky.
| Income band | Share in Christian County | Difference from Kentucky |
|---|---|---|
| Under $35,000 | 30.0% | +2.0 pts |
| $35,000 to $99,999 | 50.7% | +8.8 pts |
| $100,000 to $199,999 | 15.9% | -7.0 pts |
| $200,000 or more | 3.4% | -3.9 pts |
About 30% of households earn under $35,000, while 19% clear $100,000. 17.1% of residents fall below the federal poverty line (statewide: 16.1%). Income inequality, measured by the Gini index, comes to 0.436 here. None of these numbers decides a Christian County application. Lenders weigh your own documented income against your own debts.
Renting and owning in Christian County
Median gross rent, utilities included, comes to $1,040 in Christian County versus $967 statewide. By the Census definition, 46% of Christian County renters are cost-burdened. With a median value of $173,600, a typical Christian County house costs 3.1 times what the median household earns in a year. 50% of Christian County households own their home and 50% rent. The median year built is 1983.
| Housing | Christian County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,040/mo | $967/mo | $877/mo |
| Median home value | $173,600 | $205,600 | $185,300 |
| Owners | 50% | 68% | 75% |
| Rent-burdened renters | 46% | 45% | 45% |
| Burdened owners | 29% | 23% | n/a |
Renters cannot borrow against a house, which narrows the choice to unsecured loans, cards and help from creditors; compare total cost, not just the payment.
Work, industries and travel time in Christian County
The biggest employer of Christian County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (19%). Compared with Kentucky, the county leans toward manufacturing (19% against 14%). Averaged over the five survey years, 6.3% of the labor force was out of work and looking. 9% of commuters travel 45 minutes or more each way, and 5% work from home. Households without a car make up 7.8% of the total (6.8% statewide).
| Sector | Christian County | Compared with Kentucky |
|---|---|---|
| Education and health care | 19.8% | -4.5 pts |
| Manufacturing | 19.0% | +4.6 pts |
| Retail trade | 14.3% | +2.8 pts |
| Professional and administrative services | 10.2% | +1.2 pts |
| Arts, lodging and food service | 7.0% | -0.8 pts |
| Construction | 6.3% | 0.0 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
The counties around Christian County
Distances run center to center, from Todd County at 17 miles out to Muhlenberg County at 30. 5 of the six report a higher median household income than Christian County; Montgomery County is highest at $75,613 and Muhlenberg County lowest at $51,927. Some neighbors are in Tennessee. Lender licensing is state by state, so a loan for a Christian County resident follows Kentucky rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Christian County | - | $55,494 | $1,040/mo | 50% |
| Todd County, KY | 17 mi | $61,103 | $851/mo | 76% |
| Trigg County, KY | 21 mi | $59,857 | $803/mo | 77% |
| Caldwell County, KY | 27 mi | $59,583 | $767/mo | 70% |
| Montgomery County, TN | 28 mi | $75,613 | $1,308/mo | 62% |
| Hopkins County, KY | 29 mi | $56,815 | $837/mo | 71% |
| Muhlenberg County, KY | 30 mi | $51,927 | $718/mo | 79% |
Towns and communities in Christian County
Here are the 7 most populous of the county's 7 Census places, with income and rent from the same 2020 to 2024 survey. About 72% of Christian County residents live in one of the 7. Incomes vary by place: $70,804 at the median in Pembroke, $45,855 in Crofton. Median rent ranges from $758 in Crofton to $1,529 in Fort Campbell North. No Christian County place has a separate guide yet; this county page serves all 7.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Hopkinsville | city | 30,906 | $49,139 | $902 | 4 mi |
| Fort Campbell North | CDP | 11,356 | $58,933 | $1,529 | 16 mi |
| Oak Grove | city | 7,962 | $49,354 | $1,197 | 16 mi |
| Pembroke | city | 732 | $70,804 | $813 | 11 mi |
| Crofton | city | 655 | $45,855 | $758 | 11 mi |
| LaFayette | city | 227 | $47,250 | $725 | 18 mi |
| Gracey | CDP | 107 | $80,000 | n/a | 9 mi |
A CDP is a named community without its own municipal government.
What a median Christian County budget can carry
Here is the Christian County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Christian County: $4,624
- Less median rent of $1,040, which is 22% of it
- 43% debt-to-income limit: $949 left for all other debt payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
More Christian County figures
Degree holders: 20% of adults over 25. The uninsured rate is 10.2%, against 6.0% for Kentucky.
| Measure | Christian County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 28.8 | 39.1 | 41.5 |
| Bachelor's or higher | 19.6% | 27.6% | 22.2% |
| No high school diploma | 12.3% | 11.1% | n/a |
| No health insurance | 10.2% | 6.0% | 7.8% |
| No vehicle | 7.8% | 6.8% | 5.4% |
| Work from home | 4.5% | 10.2% | 8.7% |
| Poverty rate | 17.1% | 16.1% | 13.2% |
| Unemployment (ACS) | 6.3% | 4.9% | 4.4% |
| One-way commute | Share of Christian County workers |
|---|---|
| Under 15 min | 44.3% |
| 15 to 29 min | 35.7% |
| 30 to 44 min | 11.2% |
| 45 to 59 min | 2.5% |
| 60+ min | 6.3% |
Borrowing situations common in Christian County
Based on the Christian County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 10% of Christian County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Rent squeeze. 46% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Kentucky rules that apply in Christian County
No county office licenses personal lenders. For Christian County, check the Kentucky Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Kentucky state guide for the statewide picture.
Before you sign
Before you apply, wherever you live in Christian County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Christian County-area credit union.
- Check the license, then the reviews, then the offer.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
Is Christian County a high-income county?
Its $55,494 median ranks 67th of 120 Kentucky counties and compares with $65,681 for the median U.S. county.
Is Christian County expensive for renters?
Median rent is $1,040 against $967 statewide, and 46% of renter households are cost-burdened.
What are the biggest places in Christian County?
By population: Hopkinsville, Fort Campbell North, Oak Grove, Pembroke, Crofton. The county has 7 Census places in all.
Will a Christian County address affect my match?
Beyond confirming Kentucky as your state, no. Your answers about amount, credit, income and payments are all that count.
Where can someone in Christian County check a lender's license?
With the Kentucky Department of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.