1st Advantage MortgageIn Menifee County, Kentucky, the typical household earns $45,096 a year and the typical rent is $675. 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
- A quick profile of Menifee County
- Work, industries and travel time in Menifee County
- Income in Menifee County compared with Kentucky
- What it costs to live in Menifee County
- The counties around Menifee County
- Towns and communities in Menifee County
- People and households in Menifee County
- Borrowing situations common in Menifee County
- Room for a loan payment in Menifee County
- Licensing and complaints for Menifee County
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Menifee County
Roughly 6,230 residents live in Menifee County, Kentucky, 115th by population among the state's 120 counties and county equivalents. Land area is 204 square miles (2024 Gazetteer), so density runs near 31 per square mile. No metropolitan area includes Menifee County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 1 place in the county (1 incorporated, 0 census-designated); the largest is Frenchburg, with about 643 residents, or 10% of the county. Small populations mean wide margins of error, so read every Menifee County figure on this page as a rough guide.
Work, industries and travel time in Menifee County
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 17%. Construction stands out: 11% of workers here, versus 6% statewide. Averaged over the five survey years, 7.9% of the labor force was out of work and looking. Long commutes are common here: 28% of workers spend 45 minutes or longer getting to work. Only 7.3% of homes here go without a vehicle.
| Sector | Menifee County | Compared with Kentucky |
|---|---|---|
| Education and health care | 24.3% | 0.0 pts |
| Manufacturing | 17.1% | +2.8 pts |
| Construction | 10.5% | +4.2 pts |
| Professional and administrative services | 9.9% | +0.8 pts |
| Retail trade | 9.2% | -2.3 pts |
| Public administration | 6.5% | +2.1 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Income in Menifee County compared with Kentucky
At $45,096, the typical Menifee County household income is 31% below the median U.S. county ($65,681). In the state ranking that is 95th of 120.
| Yearly household income | Menifee County | Gap to Kentucky |
|---|---|---|
| Under $35,000 | 42.3% | +14.4 pts |
| $35,000 to $99,999 | 40.1% | -1.8 pts |
| $100,000 to $199,999 | 17.0% | -5.9 pts |
| $200,000 or more | 0.6% | -6.6 pts |
Some 42% of households here live on less than $35,000 a year; 18% have six-figure incomes. 26.9% of residents fall below the federal poverty line (statewide: 16.1%). A household earning below the $45,096 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Menifee County
Median gross rent, utilities included, comes to $675 in Menifee County versus $967 statewide. 48% of renting households spend 30% or more of income on rent, and 23% spend half or more. With a median value of $125,800, a typical Menifee County house costs 2.8 times what the median household earns in a year. 75% of Menifee County households own their home and 25% rent.
| Measure | Menifee County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $675/mo | $967/mo | $877/mo |
| Median home value | $125,800 | $205,600 | $185,300 |
| Owners | 75% | 68% | 75% |
| Rent-burdened renters | 48% | 45% | 45% |
| Burdened owners | 28% | 23% | n/a |
| Mobile homes | 18.7% | 10.7% | n/a |
| Vacant units | 26% | 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).
The counties around Menifee County
Wolfe County is closest, 14 miles from center to center; the sixth, Rowan County, is 21 miles off. 4 of the six report a higher median household income than Menifee County; Bath County is highest at $56,541 and Wolfe County lowest at $30,417.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Menifee County | - | $45,096 | $675/mo | 75% |
| Wolfe County, KY | 14 mi | $30,417 | $501/mo | 74% |
| Powell County, KY | 16 mi | $40,309 | $747/mo | 68% |
| Bath County, KY | 17 mi | $56,541 | $659/mo | 75% |
| Morgan County, KY | 18 mi | $47,913 | $663/mo | 79% |
| Montgomery County, KY | 19 mi | $56,396 | $830/mo | 68% |
| Rowan County, KY | 21 mi | $54,321 | $825/mo | 62% |
Towns and communities in Menifee County
Frenchburg is the only Census place mainly inside Menifee County, with about 643 of the county's 6,230 residents. This guide covers each of the 1 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Frenchburg | city | 643 | $26,806 | $268 | 2 mi |
People and households in Menifee County
College graduates make up 15% of the adult population. The uninsured rate is 6.3%, against 6.0% for Kentucky.
| Residents | Menifee County | Kentucky | Middle U.S. county |
|---|---|---|---|
| Median age | 46.2 | 39.1 | 41.5 |
| Bachelor's or higher | 14.9% | 27.6% | 22.2% |
| No high school diploma | 19.4% | 11.1% | n/a |
| No health insurance | 6.3% | 6.0% | 7.8% |
| No vehicle | 7.3% | 6.8% | 5.4% |
| Work from home | 8.6% | 10.2% | 8.7% |
| Poverty rate | 26.9% | 16.1% | 13.2% |
| Unemployment (ACS) | 7.9% | 4.9% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 29.1% |
| 15 to 29 min | 23.9% |
| 30 to 44 min | 18.9% |
| 45 to 59 min | 13.4% |
| 60+ min | 14.6% |
Borrowing situations common in Menifee County
A few patterns in the Menifee County data, and the practical point behind each:
- Commuter costs. 28% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Mobile home upkeep. 19% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Older households. A 46.2 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Assistance before credit. With a 27% poverty rate, check no-cost options before any Menifee County loan.
Room for a loan payment in Menifee County
The debt-to-income ratio is the main affordability test lenders use. Applied to Menifee County's medians:
- Monthly gross at the median, Menifee County: $3,758
- Rent at the median, $675, takes 18% of that
- Under a 36% cap, $1,353 total minus rent leaves $678
- 43% debt-to-income limit: $941 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.
Licensing and complaints for Menifee County
Licensing happens at the state level, so a lender working with Menifee County borrowers answers to the Kentucky Department of Financial Institutions. The Consumer Financial Protection Bureau accepts complaints nationwide. More on Kentucky: Kentucky personal loans.
Before you sign
Before you apply, wherever you live in Menifee County:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- A Kentucky license check takes minutes; do it first.
- Ask a Menifee County credit union about member loans.
Nearby and statewide guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
What does a typical Menifee County household make?
About $45,096 a year at the median (ACS 2020-24), 29% below the Kentucky median.
Is Menifee County expensive for renters?
Median rent is $675 against $967 statewide, and 48% of renter households are cost-burdened.
I own my home in Menifee County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 75% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Menifee County guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Frenchburg.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Menifee County or elsewhere in Kentucky, the same rules apply.