1st Advantage MortgageThe median Fleming County household earns $49,307, and 21% 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
- Fleming County, KY: the basics
- Rent, home values and ownership in Fleming County
- Paychecks and income spread in Fleming County
- Employment and commuting in Fleming County
- The counties around Fleming County
- Cities, towns and CDPs in Fleming County
- People and households in Fleming County
- Borrowing situations common in Fleming County
- A Fleming County household budget, worked through
- A Fleming County borrower's checklist
- Checking a lender's license in Kentucky
- Related local guides
- Frequently asked questions
Fleming County, KY: the basics
With an estimated 15,323 residents (ACS 2020 to 2024), Fleming County ranks 73rd of 120 in Kentucky for population. Land area is 349 square miles (2024 Gazetteer), so density runs near 44 per square mile. Under the July 2023 OMB definitions, Fleming County is not part of any metropolitan area. Flemingsburg is the biggest of its 3 Census places, at roughly 2,965 people (19% of the county total).
Rent, home values and ownership in Fleming County
Median gross rent, utilities included, comes to $715 in Fleming County versus $967 statewide. Rent takes 30% or more of income for 53% of renter households here. With a median value of $134,700, a typical Fleming County house costs 2.7 times what the median household earns in a year. Owners occupy 75% of homes. Median construction year: 1986.
| Fleming County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median gross rent | $715/mo | $967/mo | $877/mo |
| Median home value | $134,700 | $205,600 | $185,300 |
| Owners | 75% | 68% | 75% |
| Rent-burdened renters | 53% | 45% | 45% |
| Burdened owners | 26% | 23% | n/a |
In an owner-heavy county like Fleming County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it. High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Paychecks and income spread in Fleming County
Half of Fleming County households take in less than $49,307 a year and half take in more, 23% below the Kentucky median of $63,726.
| Household income | Fleming County | vs Kentucky |
|---|---|---|
| Under $35,000 | 35.6% | +7.7 pts |
| $35,000 to $99,999 | 43.9% | +2.0 pts |
| $100,000 to $199,999 | 18.8% | -4.2 pts |
| $200,000 or more | 1.7% | -5.5 pts |
The spread is wide: 20% of Fleming County households make $100,000 or more, and 36% make less than $35,000. The poverty rate is 21.2%, 5 points higher than the state's 16.1%. The Gini index of income inequality is 0.442 (0 is perfect equality). A household earning below the $49,307 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Fleming County
Education and health care employs 23% of working residents, the largest share; manufacturing is next with 18%. Compared with Kentucky, the county leans toward retail trade (17% against 12%). The survey's unemployment rate for Fleming County averages 7.5% over 2020 to 2024 (state: 4.9%). About 80% drive to work alone and 25% have trips of 45 minutes or more. Only 9.2% of homes here go without a vehicle.
| Where residents work | Fleming County | Difference from Kentucky |
|---|---|---|
| Education and health care | 23.1% | -1.1 pts |
| Manufacturing | 18.3% | +4.0 pts |
| Retail trade | 17.1% | +5.6 pts |
| Construction | 6.9% | +0.6 pts |
| Transportation, warehousing and utilities | 5.8% | -1.2 pts |
| Other services | 5.6% | +1.0 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 Fleming County
Bath County is closest, 15 miles from center to center; the sixth, Robertson County, is 22 miles off. Income ranges from $46,838 in Lewis County to $59,531 in Nicholas County; 5 of these neighbors top Fleming County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Fleming County | - | $49,307 | $715/mo | 75% |
| Bath County, KY | 15 mi | $56,541 | $659/mo | 75% |
| Mason County, KY | 17 mi | $52,178 | $727/mo | 66% |
| Nicholas County, KY | 18 mi | $59,531 | $728/mo | 74% |
| Rowan County, KY | 19 mi | $54,321 | $825/mo | 62% |
| Lewis County, KY | 21 mi | $46,838 | $751/mo | 79% |
| Robertson County, KY | 22 mi | $51,830 | $548/mo | 80% |
Cities, towns and CDPs in Fleming County
The table lists the 3 largest of 3 Census places in Fleming County, by population. Together all 3 hold about 3,390 people, so roughly 78% of residents live outside any named place. No Fleming County place has a separate guide yet; this county page serves all 3.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Flemingsburg | city | 2,965 | $35,493 | $716 | 5 mi |
| Ewing | city | 346 | $55,903 | n/a | 10 mi |
| Elizaville | CDP | 79 | n/a | n/a | 7 mi |
People and households in Fleming County
Degree holders: 19% of adults over 25. 6.6% of residents have no health coverage.
| Residents | Fleming County | Kentucky | Middle U.S. county |
|---|---|---|---|
| Median age | 41.0 | 39.1 | 41.5 |
| Bachelor's or higher | 18.9% | 27.6% | 22.2% |
| No high school diploma | 15.3% | 11.1% | n/a |
| No health insurance | 6.6% | 6.0% | 7.8% |
| No vehicle | 9.2% | 6.8% | 5.4% |
| Work from home | 6.7% | 10.2% | 8.7% |
| Poverty rate | 21.2% | 16.1% | 13.2% |
| Unemployment (ACS) | 7.5% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 27.3% |
| 15 to 29 min | 29.9% |
| 30 to 44 min | 18.1% |
| 45 to 59 min | 6.6% |
| 60+ min | 18.0% |
Borrowing situations common in Fleming County
A few patterns in the Fleming County data, and the practical point behind each:
- Vehicle repairs. 25% of Fleming County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Repairs on manufactured housing. With 28% of homes here, compare a personal loan with any dealer or park repair program.
- Lower-cost alternatives. In a county with 21% in poverty, nonprofit credit counseling may beat a loan (options).
- Renters under pressure. When 53% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
A Fleming County household budget, worked through
Here is the Fleming County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $4,109 before taxes
- Housing at the median rent of $715 uses 17%
- Under a 36% cap, $1,479 total minus rent leaves $764
- $1,052: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Fleming County land in very different places on this math, so run it for your own budget.
A Fleming County borrower's checklist
A short checklist for Fleming County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- A Kentucky license check takes minutes; do it first.
- Ask about early-payoff penalties.
Checking a lender's license in Kentucky
Licensing happens at the state level, so a lender working with Fleming County borrowers answers to the Kentucky Department of Financial Institutions. Federal complaints: consumerfinance.gov. The Kentucky guide covers state rules in more detail.
Related local guides
The Kentucky guide covers the whole state.
Frequently asked questions
How much do households in Fleming County earn?
The median is $49,307; 20% earn $100,000 or more and 36% under $35,000. A lender uses your own documented income, not this figure.
How does Fleming County rent compare with Kentucky?
$715 locally versus $967 for the state, 26% below.
Does this page cover Flemingsburg?
Yes, along with the other 2 Census places in Fleming County, such as Ewing, Elizaville.
Can Fleming County residents use the questionnaire?
Yes. It asks the same questions in every Kentucky county, lists every requirement up front and does not affect your credit score.
Where can someone in Fleming 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.