1st Advantage MortgageIn Robertson County, Kentucky, the typical household earns $51,830 a year and the typical rent is $548. 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
- Who lives in Robertson County
- Paychecks and income spread in Robertson County
- What it costs to live in Robertson County
- The Robertson County job picture
- The counties around Robertson County
- Places inside Robertson County
- A Robertson County household budget, worked through
- Robertson County households compared
- Borrowing situations common in Robertson County
- Before you sign
- Licensing and complaints for Robertson County
- More guides for Robertson County
- Frequently asked questions
Who lives in Robertson County
Roughly 2,283 residents live in Robertson County, Kentucky, 120th by population among the state's 120 counties and county equivalents. Land area is 100 square miles (2024 Gazetteer), so density runs near 23 per square mile. No metropolitan area includes Robertson County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Mount Olivet is the biggest of its 2 Census places, at roughly 170 people (7% of the county total). Small populations mean wide margins of error, so read every Robertson County figure on this page as a rough guide.
Paychecks and income spread in Robertson County
Robertson County households have a median income of $51,830 (ACS 2020 to 2024), which ranks 77th of 120 in Kentucky.
| Yearly household income | Robertson County | Gap to Kentucky |
|---|---|---|
| Under $35,000 | 31.0% | +3.1 pts |
| $35,000 to $99,999 | 46.8% | +4.9 pts |
| $100,000 to $199,999 | 18.3% | -4.7 pts |
| $200,000 or more | 4.0% | -3.3 pts |
The spread is wide: 22% of Robertson County households make $100,000 or more, and 31% make less than $35,000. Census counts 21.1% of Robertson County residents in poverty, against 16.1% across Kentucky. Income inequality, measured by the Gini index, comes to 0.487 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
What it costs to live in Robertson County
Median gross rent, utilities included, comes to $548 in Robertson County versus $967 statewide. By the Census definition, 14% of Robertson County renters are cost-burdened. The median owner-occupied home is valued at $165,100, about 3.2 times the median household income. The ownership rate is 80%.
| Housing | Robertson County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $548/mo | $967/mo | $877/mo |
| Median home value | $165,100 | $205,600 | $185,300 |
| Owners | 80% | 68% | 75% |
| Rent-burdened renters | 14% | 45% | 45% |
| Burdened owners | 35% | 23% | n/a |
| Mobile homes | 26.3% | 10.7% | n/a |
| Vacant units | 19% | 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 Robertson County job picture
The biggest employer of Robertson County residents, by industry, is construction at 28% of workers, followed by education and health care (21%). The sharpest difference from the state is in construction, at 28% locally and 6% for Kentucky. ACS puts five-year average unemployment at 3.8% in Robertson County. 19% of commuters travel 45 minutes or more each way, and 3% work from home. Only 1.5% of homes here go without a vehicle.
| Where residents work | Robertson County | Difference from Kentucky |
|---|---|---|
| Construction | 27.8% | +21.5 pts |
| Education and health care | 20.6% | -3.7 pts |
| Retail trade | 9.4% | -2.1 pts |
| Manufacturing | 9.4% | -4.9 pts |
| Public administration | 8.0% | +3.7 pts |
| Transportation, warehousing and utilities | 7.1% | +0.1 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
The counties around Robertson County
Six nearby counties, 12 to 22 miles away by the straight-line distance between their centers. 5 of the six report a higher median household income than Robertson County; Harrison County is highest at $66,442 and Fleming County lowest at $49,307.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Robertson County | - | $51,830 | $548/mo | 80% |
| Bracken County, KY | 12 mi | $66,319 | $756/mo | 79% |
| Nicholas County, KY | 12 mi | $59,531 | $728/mo | 74% |
| Mason County, KY | 14 mi | $52,178 | $727/mo | 66% |
| Harrison County, KY | 15 mi | $66,442 | $765/mo | 71% |
| Pendleton County, KY | 20 mi | $64,669 | $793/mo | 75% |
| Fleming County, KY | 22 mi | $49,307 | $715/mo | 75% |
Places inside Robertson County
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 12% of Robertson County residents live in one of the 2. This guide covers each of the 2 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Mount Olivet | city | 170 | n/a | n/a | 2 mi |
| Sardis | city | 98 | $55,000 | n/a | 6 mi |
A Robertson County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Robertson County household at the medians it works out like this; treat it as an illustration only.
- Start: $4,319 gross per month ($51,830 / 12)
- Median rent: $548, or 13 cents of every gross dollar
- $1,007: what a 36% ratio leaves once rent is paid
- $1,309: what a 43% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Robertson County households compared
Degree holders: 14% of adults over 25. 4.0% of residents have no health coverage.
| Robertson County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median age | 38.0 | 39.1 | 41.5 |
| Bachelor's or higher | 13.8% | 27.6% | 22.2% |
| No high school diploma | 18.5% | 11.1% | n/a |
| No health insurance | 4.0% | 6.0% | 7.8% |
| No vehicle | 1.5% | 6.8% | 5.4% |
| Work from home | 3.2% | 10.2% | 8.7% |
| Poverty rate | 21.1% | 16.1% | 13.2% |
| Unemployment (ACS) | 3.8% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 31.6% |
| 15 to 29 min | 15.1% |
| 30 to 44 min | 34.0% |
| 45 to 59 min | 4.7% |
| 60+ min | 14.5% |
Borrowing situations common in Robertson County
The county's numbers point to a few situations that come up often for Robertson County borrowers.
- Long drives. With 19% of commutes over 45 minutes, tires and repairs are fixed costs in many Robertson County budgets.
- 26% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Lower-cost alternatives. In a county with 21% in poverty, nonprofit credit counseling may beat a loan (options).
Before you sign
Before you apply, wherever you live in Robertson County:
- Know the exact dollar figure you need before talking to a lender.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Kentucky license before giving out your Social Security number.
- Confirm the first due date before setting up autopay.
Licensing and complaints for Robertson County
The Kentucky Department of Financial Institutions is the place to verify any lender's Kentucky license. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Kentucky: Kentucky personal loans.
More guides for Robertson County
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
What is the median household income in Robertson County?
$51,830 a year in the 2020 to 2024 Census survey, versus $63,726 for Kentucky. It ranks 77th of 120 in the state.
How much is rent in Robertson County?
Median gross rent, utilities included, is $548 a month; 14% of renters spend 30% or more of income on it.
I live in a small Robertson County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Mount Olivet, Sardis.
Is the fit check different in Robertson County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Robertson County residents?
The Kentucky Department of Financial Institutions licenses consumer lenders in Kentucky; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.