1st Advantage MortgageAbout 72% of Scott County homes are owner-occupied, and the median household income is $85,158. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Scott County, KY: the basics
- How much Scott County households make
- Rent, home values and ownership in Scott County
- How Scott County residents earn a living
- Counties near Scott County
- Scott County towns compared
- Debt-to-income at Scott County's medians
- What the numbers mean for Scott County borrowers
- More Scott County figures
- Kentucky rules that apply in Scott County
- Four steps for Scott County borrowers
- More guides for Scott County
- Frequently asked questions
Scott County, KY: the basics
Scott County is home to about 59,536 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 16th most populous of 120 county-level areas in Kentucky. Land area is 282 square miles (2024 Gazetteer), so density runs near 211 per square mile. It is one of the counties that make up the Lexington-Fayette, KY metropolitan statistical area (OMB, 2023). The Census Bureau counts 3 places in the county (3 incorporated, 0 census-designated); the largest is Georgetown, with about 39,117 residents, or 66% of the county.
How much Scott County households make
At $85,158, the typical Scott County household income is 30% above the median U.S. county ($65,681).
| Households earning | Scott County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 16.1% | -11.8 pts |
| $35,000 to $99,999 | 41.2% | -0.8 pts |
| $100,000 to $199,999 | 31.7% | +8.8 pts |
| $200,000 or more | 11.0% | +3.7 pts |
About 16% of households earn under $35,000, while 43% clear $100,000. Census counts 10.6% of Scott County residents in poverty, against 16.1% across Kentucky. None of these numbers decides a Scott County application. Lenders weigh your own documented income against your own debts.
Rent, home values and ownership in Scott County
Renters in Scott County pay a median of $1,247 a month, 29% above the Kentucky figure of $967. Rent takes 30% or more of income for 41% of renter households here. Home values center on $288,500, or 3.4 years of median income. The ownership rate is 72%.
| Measure | Scott County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,247/mo | $967/mo | $877/mo |
| Median home value | $288,500 | $205,600 | $185,300 |
| Owners | 72% | 68% | 75% |
| Rent-burdened renters | 41% | 45% | 45% |
| Burdened owners | 19% | 23% | n/a |
| Mobile homes | 4.4% | 10.7% | n/a |
How Scott County residents earn a living
The biggest employer of Scott County residents, by industry, is manufacturing at 25% of workers, followed by education and health care (21%). Compared with Kentucky, the county leans toward manufacturing (25% against 14%). ACS puts five-year average unemployment at 4.3% in Scott County. About 77% drive to work alone and 9% have trips of 45 minutes or more. 3.7% of households have no vehicle.
| Sector | Scott County | Compared with Kentucky |
|---|---|---|
| Manufacturing | 25.1% | +10.7 pts |
| Education and health care | 21.4% | -2.8 pts |
| Retail trade | 9.1% | -2.5 pts |
| Professional and administrative services | 8.7% | -0.3 pts |
| Arts, lodging and food service | 8.4% | +0.5 pts |
| Construction | 5.3% | -1.0 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Counties near Scott County
Distances run center to center, from Franklin County at 16 miles out to Bourbon County at 21. Income ranges from $61,134 in Owen County to $83,788 in Woodford County; none of these neighbors top Scott County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Scott County | - | $85,158 | $1,247/mo | 72% |
| Franklin County, KY | 16 mi | $65,298 | $967/mo | 64% |
| Harrison County, KY | 17 mi | $66,442 | $765/mo | 71% |
| Fayette County, KY | 18 mi | $69,479 | $1,164/mo | 54% |
| Woodford County, KY | 19 mi | $83,788 | $1,138/mo | 72% |
| Owen County, KY | 21 mi | $61,134 | $830/mo | 88% |
| Bourbon County, KY | 21 mi | $61,354 | $822/mo | 64% |
Scott County towns compared
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 68% of Scott County residents live in one of the 3. This guide covers each of the 3 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Georgetown | city | 39,117 | $80,088 | $1,255 | 3 mi |
| Stamping Ground | city | 994 | $62,500 | $1,077 | 6 mi |
| Sadieville | city | 370 | $61,125 | $950 | 7 mi |
Debt-to-income at Scott County's medians
Here is the Scott County median household run through a simple DTI check. Your numbers will differ.
- $85,158 a year is $7,096 of gross monthly income
- Less median rent of $1,247, which is 18% of it
- 40% debt-to-income limit: $1,592 left for all other debt payments
If your rent is above $1,247, the room shrinks dollar for dollar.
What the numbers mean for Scott County borrowers
A few patterns in the Scott County data, and the practical point behind each:
- Strong incomes, long terms. 43% of Scott County households earn $100,000+. The risk is a term that outlasts the need.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Consolidating cards in Scott County. Compare the total repaid, not the monthly figure (how).
More Scott County figures
College graduates make up 35% of the adult population. About 5% go without health insurance.
| Residents | Scott County | Kentucky | Middle U.S. county |
|---|---|---|---|
| Median age | 36.4 | 39.1 | 41.5 |
| Bachelor's or higher | 34.7% | 27.6% | 22.2% |
| No high school diploma | 5.8% | 11.1% | n/a |
| No health insurance | 4.9% | 6.0% | 7.8% |
| No vehicle | 3.7% | 6.8% | 5.4% |
| Work from home | 10.5% | 10.2% | 8.7% |
| Poverty rate | 10.6% | 16.1% | 13.2% |
| Unemployment (ACS) | 4.3% | 4.9% | 4.4% |
| One-way commute | Share of Scott County workers |
|---|---|
| Under 15 min | 33.1% |
| 15 to 29 min | 36.3% |
| 30 to 44 min | 21.3% |
| 45 to 59 min | 3.9% |
| 60+ min | 5.4% |
Kentucky rules that apply in Scott 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. The Kentucky guide covers state rules in more detail.
Four steps for Scott County borrowers
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Kentucky.
- Pick the shortest term whose payment still fits.
More guides for Scott County
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
How much do households in Scott County earn?
The median is $85,158; 43% earn $100,000 or more and 16% under $35,000. A lender uses your own documented income, not this figure.
Is Scott County expensive for renters?
Median rent is $1,247 against $967 statewide, and 41% of renter households are cost-burdened.
I own my home in Scott County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 72% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Scott County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Georgetown, Stamping Ground, Sadieville.
Can Scott 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.