1st Advantage MortgageIn Taylor County, Kentucky, the typical household earns $60,456 a year and the typical rent is $718. 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 Taylor County
- What Taylor County households earn
- How Taylor County residents earn a living
- Rent, home values and ownership in Taylor County
- Places inside Taylor County
- Regional comparison for Taylor County
- More Taylor County figures
- Local borrowing considerations for Taylor County
- Budget math at the Taylor County median
- Licensing and complaints for Taylor County
- Four steps for Taylor County borrowers
- Related local guides
- Frequently asked questions
A quick profile of Taylor County
The latest five-year Census estimate puts Taylor County's population at 26,397; only 41 of Kentucky's 120 county-level areas are larger. Packed into 266 square miles, that is close to 99 residents for every square mile of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Campbellsville, with about 11,622 people, is the only Census place mainly inside the county.
What Taylor County households earn
Taylor County households have a median income of $60,456 (ACS 2020 to 2024), which ranks 48th of 120 in Kentucky.
| Households earning | Taylor County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 30.0% | +2.0 pts |
| $35,000 to $99,999 | 46.2% | +4.3 pts |
| $100,000 to $199,999 | 20.8% | -2.2 pts |
| $200,000 or more | 3.1% | -4.1 pts |
The spread is wide: 24% of Taylor County households make $100,000 or more, and 30% make less than $35,000. 17.5% of residents fall below the federal poverty line (statewide: 16.1%). Income inequality, measured by the Gini index, comes to 0.428 here. None of these numbers decides a Taylor County application. Lenders weigh your own documented income against your own debts.
How Taylor County residents earn a living
By the Census industry count, 26% of employed Taylor County residents work in education and health care and 22% in manufacturing. The sharpest difference from the state is in manufacturing, at 22% locally and 14% for Kentucky. The survey's unemployment rate for Taylor County averages 5.1% over 2020 to 2024 (state: 4.9%). 14% of commuters travel 45 minutes or more each way, and 10% work from home. Households without a car make up 5.8% of the total (6.8% statewide).
| Sector | Taylor County | Compared with Kentucky |
|---|---|---|
| Education and health care | 26.0% | +1.8 pts |
| Manufacturing | 21.5% | +7.2 pts |
| Retail trade | 17.1% | +5.6 pts |
| Other services | 5.8% | +1.2 pts |
| Professional and administrative services | 5.4% | -3.6 pts |
| Transportation, warehousing and utilities | 4.7% | -2.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Rent, home values and ownership in Taylor County
Median gross rent, utilities included, comes to $718 in Taylor County versus $967 statewide. Rent takes 30% or more of income for 45% of renter households here. Home values center on $174,200, or 2.9 years of median income. The ownership rate is 69%. Median construction year: 1978.
| Measure | Taylor County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $718/mo | $967/mo | $877/mo |
| Median home value | $174,200 | $205,600 | $185,300 |
| Owners | 69% | 68% | 75% |
| Rent-burdened renters | 45% | 45% | 45% |
| Burdened owners | 18% | 23% | n/a |
| Vacant units | 8% | 10% | n/a |
Places inside Taylor County
Just one Census place, Campbellsville, lies mainly within Taylor County; it holds about 11,622 people. This guide covers each of the 1 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Campbellsville | city | 11,622 | $49,644 | $685 | 2 mi |
Regional comparison for Taylor County
Distances run center to center, from Green County at 13 miles out to Washington County at 28. Income ranges from $45,510 in Casey County to $67,067 in Larue County; 2 of these neighbors top Taylor County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Taylor County | - | $60,456 | $718/mo | 69% |
| Green County, KY | 13 mi | $46,798 | $610/mo | 78% |
| Marion County, KY | 13 mi | $59,627 | $726/mo | 78% |
| Adair County, KY | 18 mi | $53,553 | $771/mo | 77% |
| Casey County, KY | 22 mi | $45,510 | $670/mo | 80% |
| Larue County, KY | 24 mi | $67,067 | $860/mo | 79% |
| Washington County, KY | 28 mi | $61,616 | $744/mo | 78% |
More Taylor County figures
Degree holders: 23% of adults over 25. 3.9% of residents have no health coverage.
| People and households | Taylor County | Kentucky | Median county |
|---|---|---|---|
| Median age | 37.8 | 39.1 | 41.5 |
| Bachelor's or higher | 23.0% | 27.6% | 22.2% |
| No high school diploma | 11.7% | 11.1% | n/a |
| No health insurance | 3.9% | 6.0% | 7.8% |
| No vehicle | 5.8% | 6.8% | 5.4% |
| Work from home | 9.8% | 10.2% | 8.7% |
| Poverty rate | 17.5% | 16.1% | 13.2% |
| Unemployment (ACS) | 5.1% | 4.9% | 4.4% |
| Minutes to work | Taylor County workers |
|---|---|
| Under 15 min | 49.0% |
| 15 to 29 min | 28.6% |
| 30 to 44 min | 8.6% |
| 45 to 59 min | 5.0% |
| 60+ min | 8.7% |
Local borrowing considerations for Taylor County
Where the Taylor County numbers stand out, and why it matters for a loan:
- 45% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
Budget math at the Taylor County median
How much room does a median Taylor County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Taylor County: $5,038
- Housing at the median rent of $718 uses 14%
- $1,096: what a 36% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Taylor County's.
Licensing and complaints for Taylor County
Before sharing details with a lender, a Taylor County resident can confirm its license with the Kentucky Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. The Kentucky guide covers state rules in more detail.
Four steps for Taylor County borrowers
A short checklist for Taylor County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Related local guides
The Kentucky guide covers the whole state.
Frequently asked questions
How much do households in Taylor County earn?
The median is $60,456; 24% earn $100,000 or more and 30% under $35,000. A lender uses your own documented income, not this figure.
How does Taylor County rent compare with Kentucky?
$718 locally versus $967 for the state, 26% below.
Which towns does the Taylor County guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Campbellsville.
Does living in Taylor County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Taylor County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Taylor County check a lender's license?
With the Kentucky Department of Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.