1st Advantage MortgageMedian rent in Greenup County is $860 a month against a median household income of $60,751, about 17% of income (ACS 2020-24). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Kentucky license first.
On this page
- Greenup County at a glance
- Renting and owning in Greenup County
- Jobs and commutes in Greenup County
- What Greenup County households earn
- Greenup County's most unusual numbers
- Greenup County and the counties next door
- Flatwoods and the rest of Greenup County
- Room for a loan payment in Greenup County
- Reading the Greenup County data as a borrower
- Greenup County residents: age, schooling, coverage
- Verifying a lender from Greenup County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Greenup County at a glance
Roughly 35,501 residents live in Greenup County, Kentucky, 30th by population among the state's 120 counties and county equivalents. Land area is 344 square miles (2024 Gazetteer), so density runs near 103 per square mile. For statistical purposes it belongs to the Huntington-Ashland, WV-KY-OH metro area, as delineated by the Office of Management and Budget in July 2023. Largest place: Flatwoods, about 7,269 residents (20% of Greenup County); 8 Census places in all.
Renting and owning in Greenup County
A typical Greenup County rental runs $860 a month including utilities, which is 11% below Kentucky. By the Census definition, 44% of Greenup County renters are cost-burdened. Median value $134,000; median income $60,751; ratio 2.2. In Greenup County, 80% of occupied homes are owned by the people living in them. Median construction year: 1975.
| Measure | Greenup County | Kentucky | Gap |
|---|---|---|---|
| Owners | 80% | 68% | +12.0 pts |
| Median home value | $134,000 | $205,600 | 35% lower |
| Burdened owners | 20% | 23% | -2.2 pts |
| Rent-burdened renters | 44% | 45% | -1.8 pts |
| Median gross rent | $860/mo | $967/mo | 11% lower |
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).
Jobs and commutes in Greenup County
Top Greenup County industry by residents employed: education and health care, 33%; second, retail trade, 12%. The sharpest difference from the state is in education and health care, at 33% locally and 24% for Kentucky. ACS puts five-year average unemployment at 6.8% in Greenup County. About 82% drive to work alone and 15% have trips of 45 minutes or more. 682 Greenup County households, 4.6%, have no vehicle.
| Sector | Greenup County | Compared with Kentucky |
|---|---|---|
| Education and health care | 33.0% | +8.8 pts |
| Retail trade | 12.3% | +0.7 pts |
| Manufacturing | 12.1% | -2.2 pts |
| Construction | 8.0% | +1.6 pts |
| Professional and administrative services | 7.6% | -1.5 pts |
| Arts, lodging and food service | 6.0% | -1.9 pts |
Seasonal work is common in many Greenup County industries; if that is you, show a full year of income rather than one strong month.
What Greenup County households earn
Half of Greenup County households take in less than $60,751 a year and half take in more, 5% below the Kentucky median of $63,726. In the state ranking that is 47th of 120.
| Yearly household income | Greenup County | Gap to Kentucky |
|---|---|---|
| Under $35,000 | 29.2% | +1.3 pts |
| $35,000 to $99,999 | 45.3% | +3.4 pts |
| $100,000 to $199,999 | 19.4% | -3.5 pts |
| $200,000 or more | 6.1% | -1.2 pts |
The spread is wide: 25% of Greenup County households make $100,000 or more, and 29% make less than $35,000. Poverty rate, Greenup County: 15.4%; Kentucky: 16.1%. Gini index for Greenup County: 0.473. For a borrower in Greenup County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Greenup County's most unusual numbers
The 3 Greenup County numbers that rank furthest from typical in Kentucky, and what each means for a borrower:
- Few Kentucky counties match Greenup County on homeownership: 80% here, 68% for the state, ranking 14th highest of 120. Most households here own, so home equity is often an alternative to weigh.
- Few Kentucky counties match Greenup County on median age: 44.2 here, 39.1 for the state, ranking 14th highest of 120. Older borrowers often rely on fixed incomes, so a fixed payment helps.
- On the ACS unemployment rate, Greenup County sits near the top of Kentucky at 6.8%, 21st highest of 120. If work is uncertain, keep any loan small and the term short.
Greenup County and the counties next door
Six nearby counties, 18 to 32 miles away by the straight-line distance between their centers. 1 of the six report a higher median household income than Greenup County; Boyd County is highest at $61,118 and Elliott County lowest at $45,776. The list crosses into Ohio, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Greenup County | - | $60,751 | $860/mo | 80% |
| Scioto County, OH | 18 mi | $50,609 | $742/mo | 68% |
| Carter County, KY | 18 mi | $51,235 | $740/mo | 80% |
| Boyd County, KY | 20 mi | $61,118 | $849/mo | 70% |
| Lawrence County, OH | 23 mi | $58,325 | $848/mo | 72% |
| Lewis County, KY | 24 mi | $46,838 | $751/mo | 79% |
| Elliott County, KY | 32 mi | $45,776 | $432/mo | 82% |
Flatwoods and the rest of Greenup County
8 Census places fall mainly inside Greenup County; the 8 biggest are below. They account for 19,997 residents, leaving about 44% of the county in unincorporated, unnamed areas. Bellefonte has the highest median household income on the list ($117,250) and South Shore the lowest ($29,340), counting places with at least 500 residents. Median rent ranges from $624 in South Shore to $1,726 in Bellefonte. From Flatwoods to the smallest crossroads, Greenup County residents share this guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Flatwoods | city | 7,269 | $59,972 | $940 | 12 mi |
| Russell | city | 3,676 | $76,182 | $743 | 13 mi |
| Raceland | city | 2,265 | $57,222 | $855 | 11 mi |
| Worthington | city | 1,759 | $65,609 | $871 | 11 mi |
| South Shore | city | 1,642 | $29,340 | $624 | 11 mi |
| Bellefonte | city | 1,419 | $117,250 | $1,726 | 14 mi |
| Wurtland | city | 1,154 | $60,972 | $917 | 8 mi |
| Greenup | city | 813 | $40,313 | $890 | 6 mi |
Room for a loan payment in Greenup County
The debt-to-income ratio is the main affordability test lenders use. Applied to Greenup County's medians:
- $60,751 a year is $5,063 of gross monthly income
- Median rent: $860, or 17 cents of every gross dollar
- With a 35% ceiling, about $912 remains for car, card, student and any new loan payments
- At 45%, room after rent is $1,418 a month
Homeowners in Greenup County should swap in their mortgage, taxes and insurance for rent.
Reading the Greenup County data as a borrower
A few patterns in the Greenup County data, and the practical point behind each:
- 12% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
Greenup County residents: age, schooling, coverage
Degree holders: 19% of adults over 25. Health coverage gaps: 5.5% of Greenup County residents are uninsured.
| Measure | Greenup County | Gap to Kentucky | Gap to typical U.S. county |
|---|---|---|---|
| Bachelor's or higher | 18.8% | -8.8 pts | -3.4 pts |
| Work from home | 5.0% | -5.2 pts | -3.7 pts |
| Median age | 44.2 | +5.1 yrs | +2.7 yrs |
| No vehicle | 4.6% | -2.1 pts | -0.8 pts |
| Unemployment (ACS) | 6.8% | +1.9 pts | +2.4 pts |
| Poverty rate | 15.4% | -0.6 pts | +2.3 pts |
| No high school diploma | 10.5% | -0.6 pts | n/a |
| No health insurance | 5.5% | -0.5 pts | -2.3 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 30.0% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 19.6% |
| 45 to 59 min | 10.4% |
| 60+ min | 4.8% |
Verifying a lender from Greenup County
Licensing happens at the state level, so a lender working with Greenup County borrowers answers to the Kentucky Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. More on Kentucky: Kentucky personal loans.
Before you sign
A short checklist for Greenup County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Verify the Kentucky license before giving out your Social Security number.
- Ask about early-payoff penalties.
Nearby and statewide guides
No city in Greenup County has its own guide yet; the state page is next up.
Frequently asked questions
What does a typical Greenup County household make?
About $60,751 a year at the median (ACS 2020-24), 5% below the Kentucky median.
Can a Greenup County renter afford a loan payment?
At the $860 median rent and $5,063 median monthly income, rent alone uses 17%; add other debts before a new payment.
Should Greenup County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Greenup County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Is Greenup covered?
Yes. Greenup is one of 8 Census places in Greenup County, and this guide covers all of them.
Is the fit check different in Greenup County?
No. It is identical everywhere, and it never looks at your neighborhood.