1st Advantage MortgageIn Todd County, Kentucky, the typical household earns $61,103 a year and the typical rent is $851. 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
- Todd County, KY: the basics
- What it costs to live in Todd County
- How much Todd County households make
- How Todd County residents earn a living
- Regional comparison for Todd County
- Towns and communities in Todd County
- What a median Todd County budget can carry
- People and households in Todd County
- Before borrowing in Todd County
- Before you sign
- Kentucky rules that apply in Todd County
- Nearby and statewide guides
- Frequently asked questions
Todd County, KY: the basics
Roughly 12,469 residents live in Todd County, Kentucky, 88th by population among the state's 120 counties and county equivalents. It covers 375 square miles of land, or about 33 people per square mile. Under the July 2023 OMB definitions, Todd County is not part of any metropolitan area. The Census Bureau counts 5 places in the county (3 incorporated, 2 census-designated); the largest is Elkton, with about 1,924 residents, or 15% of the county.
What it costs to live in Todd County
Renters in Todd County pay a median of $851 a month, 12% below the Kentucky figure of $967. By the Census definition, 39% of Todd County renters are cost-burdened. The median owner-occupied home is valued at $166,700, about 2.7 times the median household income. Owners occupy 76% of homes. Median construction year: 1984.
| Measure | Todd County | Kentucky | Median U.S. county |
|---|---|---|---|
| Median gross rent | $851/mo | $967/mo | $877/mo |
| Median home value | $166,700 | $205,600 | $185,300 |
| Owners | 76% | 68% | 75% |
| Rent-burdened renters | 39% | 45% | 45% |
| Burdened owners | 14% | 23% | n/a |
| Mobile homes | 14.4% | 10.7% | n/a |
Because most Todd County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
How much Todd County households make
Half of Todd County households take in less than $61,103 a year and half take in more, 4% below the Kentucky median of $63,726. In the state ranking that is 45th of 120.
| Households earning | Todd County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 28.3% | +0.3 pts |
| $35,000 to $99,999 | 41.3% | -0.6 pts |
| $100,000 to $199,999 | 23.9% | +1.0 pts |
| $200,000 or more | 6.6% | -0.6 pts |
Some 28% of households here live on less than $35,000 a year; 30% have six-figure incomes. The poverty rate is 20.9%, 5 points higher than the state's 16.1%. The Gini index of income inequality is 0.497 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Todd County median.
How Todd County residents earn a living
Education and health care employs 21% of working residents, the largest share; manufacturing is next with 20%. Agriculture, forestry and mining stands out: 13% of workers here, versus 2% statewide. Averaged over the five survey years, 3.2% of the labor force was out of work and looking. About 74% drive to work alone and 13% have trips of 45 minutes or more.
| Industry | Share of Todd County workers | vs Kentucky |
|---|---|---|
| Education and health care | 20.8% | -3.5 pts |
| Manufacturing | 20.5% | +6.2 pts |
| Agriculture, forestry and mining | 12.9% | +11.2 pts |
| Retail trade | 10.9% | -0.7 pts |
| Transportation, warehousing and utilities | 10.0% | +3.0 pts |
| Professional and administrative services | 6.0% | -3.0 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Regional comparison for Todd County
Nearest neighbors first, measured between county centers (17 to 34 miles). Robertson County leads the group on income ($83,047), Muhlenberg County trails ($51,927), and Todd County out-earns 4 of the six. The list crosses into Tennessee, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Todd County | - | $61,103 | $851/mo | 76% |
| Logan County, KY | 17 mi | $60,382 | $751/mo | 74% |
| Christian County, KY | 17 mi | $55,494 | $1,040/mo | 50% |
| Montgomery County, TN | 26 mi | $75,613 | $1,308/mo | 62% |
| Muhlenberg County, KY | 26 mi | $51,927 | $718/mo | 79% |
| Robertson County, TN | 28 mi | $83,047 | $1,199/mo | 78% |
| Simpson County, KY | 34 mi | $59,858 | $1,012/mo | 67% |
Towns and communities in Todd County
The table lists the 5 largest of 5 Census places in Todd County, by population. Together all 5 hold about 4,243 people, so roughly 66% of residents live outside any named place. Live in one of these Todd County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Elkton | city | 1,924 | $48,777 | $906 | 2 mi |
| Guthrie | city | 1,559 | $35,952 | $909 | 13 mi |
| Trenton | city | 376 | $66,964 | n/a | 9 mi |
| Fairview | CDP | 226 | $58,309 | n/a | 7 mi |
| Allensville | CDP | 158 | n/a | n/a | 11 mi |
A CDP is a named community without its own municipal government.
What a median Todd County budget can carry
Here is the Todd County median household run through a simple DTI check. Your numbers will differ.
- Median income divided by twelve: $5,092 before taxes
- Rent at the median, $851, takes 17% of that
- 36% debt-to-income limit: $982 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.
People and households in Todd County
Degree holders: 17% of adults over 25. 20.4% of residents have no health coverage.
| Measure | Todd County | Kentucky statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 36.1 | 39.1 | 41.5 |
| Bachelor's or higher | 16.5% | 27.6% | 22.2% |
| No high school diploma | 17.6% | 11.1% | n/a |
| No health insurance | 20.4% | 6.0% | 7.8% |
| No vehicle | 10.1% | 6.8% | 5.4% |
| Work from home | 12.1% | 10.2% | 8.7% |
| Poverty rate | 20.9% | 16.1% | 13.2% |
| Unemployment (ACS) | 3.2% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 24.5% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 27.4% |
| 45 to 59 min | 6.2% |
| 60+ min | 6.7% |
Before borrowing in Todd County
What the Todd County figures suggest, and what to check first:
- Uninsured care. 20% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Manufactured homes. 14% of Todd County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Free help first. 21% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
Before you sign
Before you apply, wherever you live in Todd County:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Kentucky.
- Pick the shortest term whose payment still fits.
Kentucky rules that apply in Todd County
Todd County borrowers fall under statewide rules, enforced by the Kentucky Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Kentucky guide.
Nearby and statewide guides
For statewide rules and data, see the Kentucky guide.
Frequently asked questions
What is the median household income in Todd County?
$61,103 a year in the 2020 to 2024 Census survey, versus $63,726 for Kentucky. It ranks 45th of 120 in the state.
How much is rent in Todd County?
Median gross rent, utilities included, is $851 a month; 39% of renters spend 30% or more of income on it.
Does this page cover Elkton?
Yes, along with the other 4 Census places in Todd County, such as Guthrie, Trenton, Fairview.
Is the fit check different in Todd County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who do I complain to about a lender in Todd County?
Start with the Kentucky Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.