1st Advantage MortgageGrant County (25,418 residents) has a $69,178 median household income and $862 median rent, by the latest Census five-year survey. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Population and place: Grant County
- Paychecks and income spread in Grant County
- The Grant County job picture
- What it costs to live in Grant County
- How Grant County ranks in Kentucky
- Census places in Grant County
- Regional comparison for Grant County
- Age, degrees and coverage in Grant County
- Borrowing situations common in Grant County
- Budget math at the Grant County median
- Before you sign
- Kentucky rules that apply in Grant County
- Beyond Grant County
- Frequently asked questions
Population and place: Grant County
With an estimated 25,418 residents (ACS 2020 to 2024), Grant County ranks 45th of 120 in Kentucky for population. It covers 258 square miles of land, or about 99 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. Crittenden (4,084 people) heads the county's list of 4 Census places, 4 incorporated and 0 census-designated.
Paychecks and income spread in Grant County
$69,178 is the median household income for Grant County, set against $63,726 for Kentucky. In the state ranking that is 16th of 120.
| Band | Grant County | Compared with Kentucky |
|---|---|---|
| Under $35,000 | 25.0% | -2.9 pts |
| $35,000 to $99,999 | 44.9% | +3.0 pts |
| $100,000 to $199,999 | 25.9% | +3.0 pts |
| $200,000 or more | 4.2% | -3.1 pts |
About 25% of households earn under $35,000, while 30% clear $100,000. The poverty rate is 11.7%, 4 points lower than the state's 16.1%. Gini index for Grant County: 0.403. A household earning below the $69,178 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
The Grant County job picture
Education and health care employs 18% of working residents, the largest share; manufacturing is next with 15%. Transportation, warehousing and utilities stands out: 11% of workers here, versus 7% statewide. Averaged over the five survey years, 4.9% of the labor force was out of work and looking. Commutes of 45 minutes-plus: 16%; under 15 minutes: 21%. Households without a car make up 4.8% of the total (6.8% statewide).
| Top industries | Grant County share | +/- vs Kentucky |
|---|---|---|
| Education and health care | 18.5% | -5.8 pts |
| Manufacturing | 15.1% | +0.8 pts |
| Retail trade | 11.8% | +0.3 pts |
| Transportation, warehousing and utilities | 10.8% | +3.8 pts |
| Arts, lodging and food service | 9.9% | +2.0 pts |
| Construction | 7.8% | +1.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Grant County should have bank statements and tax returns ready.
What it costs to live in Grant County
Median gross rent, utilities included, comes to $862 in Grant County versus $967 statewide. About 4 in 10 Grant County renters pay 30% or more of income for rent. Median value $209,500; median income $69,178; ratio 3.0. 75% of Grant County households own their home and 25% rent. Median construction year: 1990.
| Cost | Grant County | Kentucky figure | Higher or lower |
|---|---|---|---|
| Median gross rent | $862/mo | $967/mo | 11% lower |
| Median home value | $209,500 | $205,600 | 2% higher |
| Owners | 75% | 68% | +6.8 pts |
| Rent-burdened renters | 35% | 45% | -10.2 pts |
| Burdened owners | 20% | 23% | -2.4 pts |
| Mobile homes | 21.9% | 10.7% | +11.2 pts |
| Vacant units | 10% | 10% | -0.3 pts |
With 75% of Grant County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
How Grant County ranks in Kentucky
Ranked against the other 119 county-level areas in Kentucky, these are the Grant County figures furthest from the middle.
- Median age: 36.6 in Grant County. Only 9 of 120 Kentucky counties are lower. Younger borrowers often have thin credit files; a co-signer or credit union may help.
- Few Kentucky counties match Grant County on the poverty rate: 11.7% here, 16.1% for the state, ranking 15th lowest of 120. A low poverty rate does not mean every budget has room; test the payment.
- Few Kentucky counties match Grant County on median household income: $69,178 here, $63,726 for the state, ranking 16th highest of 120. Higher local incomes do not change lender rules; your documented income is what counts.
Census places in Grant County
The table lists the 4 largest of 4 Census places in Grant County, by population. Together all 4 hold about 10,696 people, so roughly 58% of residents live outside any named place. Gap between richest and poorest larger place: $39,055, Williamstown over Dry Ridge. Rent is cheapest in Williamstown ($721) and steepest in Crittenden ($934). None of the 4 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Crittenden | city | 4,084 | $57,283 | $934 | 10 mi |
| Williamstown | city | 3,945 | $95,050 | $721 | 3 mi |
| Dry Ridge | city | 2,441 | $55,995 | $811 | 3 mi |
| Corinth | city | 226 | $51,667 | $646 | 10 mi |
Regional comparison for Grant County
Six nearby counties, 15 to 22 miles away by the straight-line distance between their centers. Income ranges from $61,134 in Owen County to $99,414 in Boone County; 2 of these neighbors top Grant County's median.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Grant County | - | $69,178 | $862/mo | 75% |
| Gallatin County, KY | 15 mi | $63,346 | $832/mo | 75% |
| Pendleton County, KY | 15 mi | $64,669 | $793/mo | 75% |
| Owen County, KY | 16 mi | $61,134 | $830/mo | 88% |
| Kenton County, KY | 20 mi | $80,548 | $1,069/mo | 71% |
| Harrison County, KY | 21 mi | $66,442 | $765/mo | 71% |
| Boone County, KY | 22 mi | $99,414 | $1,373/mo | 76% |
Age, degrees and coverage in Grant County
Degree holders: 15% of adults over 25. Uninsured, Grant County: 6.1%; Kentucky: 6.0%.
| Grant County | vs Kentucky | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 15.3% | -12.3 pts | -6.9 pts |
| Poverty rate | 11.7% | -4.3 pts | -1.4 pts |
| Work from home | 7.6% | -2.6 pts | -1.1 pts |
| Median age | 36.6 | -2.5 yrs | -4.9 yrs |
| No vehicle | 4.8% | -1.9 pts | -0.6 pts |
| No high school diploma | 10.2% | -0.9 pts | n/a |
| No health insurance | 6.1% | +0.1 pts | -1.8 pts |
| Unemployment (ACS) | 4.9% | 0.0 pts | +0.5 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 20.9% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 30.1% |
| 45 to 59 min | 9.7% |
| 60+ min | 6.4% |
Borrowing situations common in Grant County
What the Grant County figures suggest, and what to check first:
- Manufactured homes. 22% of Grant County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Budget math at the Grant County median
Grant County at the medians, through a lender's eyes (what DTI means):
- $5,765 a month: gross income for a household at the Grant County median
- Median rent: $862, or 15 cents of every gross dollar
- At 36%, room after rent is $1,213 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Grant County's.
Before you sign
Quick steps for Grant County:
- Get a written quote for whatever you are paying for in Grant County.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Confirm the first due date before setting up autopay.
Kentucky rules that apply in Grant County
Grant County borrowers fall under statewide rules, enforced by the Kentucky Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. The Kentucky page has statewide figures to set beside Grant County's.
Beyond Grant County
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
Where does Grant County rank on income in Kentucky?
16th of 120, with a median of $69,178. The state median is $63,726.
How does Grant County rent compare with Kentucky?
$862 locally versus $967 for the state, 11% below.
Can Grant County owners borrow against a $209,500 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
What are the biggest places in Grant County?
By population: Crittenden, Williamstown, Dry Ridge, Corinth. The county has 4 Census places in all.
Will a Grant County address affect my match?
Beyond confirming Kentucky as your state, no. Your answers about amount, credit, income and payments are all that count.