1st Advantage MortgageIn Trimble County, Kentucky, the typical household earns $66,027 a year and the typical rent is $863. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- A quick profile of Trimble County
- Jobs and commutes in Trimble County
- How much Trimble County households make
- Housing costs in Trimble County
- How Trimble County compares with nearby counties
- Towns and communities in Trimble County
- Room for a loan payment in Trimble County
- Borrowing situations common in Trimble County
- Trimble County residents: age, schooling, coverage
- Lender oversight for Trimble County
- Checklist for Trimble County applicants
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Trimble County
Trimble County is home to about 8,550 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 107th most populous of 120 county-level areas in Kentucky. It covers 148 square miles of land, or about 58 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Milton is the biggest of its 2 Census places, at roughly 637 people (7% of the county total). Because Trimble County is small, the survey's margins of error are wide; treat the numbers as approximate.
Jobs and commutes in Trimble County
Manufacturing employs 21% of working residents, the largest share; education and health care is next with 21%. Manufacturing stands out: 21% of workers here, versus 14% statewide. Averaged over the five survey years, 6.2% of the labor force was out of work and looking. 19% of commuters travel 45 minutes or more each way, and 4% work from home.
| Where residents work | Trimble County | Difference from Kentucky |
|---|---|---|
| Manufacturing | 21.1% | +6.8 pts |
| Education and health care | 20.9% | -3.4 pts |
| Construction | 10.8% | +4.5 pts |
| Transportation, warehousing and utilities | 10.8% | +3.8 pts |
| Retail trade | 7.9% | -3.6 pts |
| Professional and administrative services | 7.6% | -1.4 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.
How much Trimble County households make
At $66,027, the typical Trimble County household income sits near the median U.S. county ($65,681). Only 22 Kentucky counties post a higher median.
| Households earning | Trimble County | +/- vs Kentucky |
|---|---|---|
| Under $35,000 | 25.3% | -2.7 pts |
| $35,000 to $99,999 | 50.0% | +8.1 pts |
| $100,000 to $199,999 | 17.8% | -5.2 pts |
| $200,000 or more | 6.9% | -0.3 pts |
The spread is wide: 25% of Trimble County households make $100,000 or more, and 25% make less than $35,000. The poverty rate is 13.3%, 3 points lower than the state's 16.1%. A household earning below the $66,027 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Housing costs in Trimble County
Renters in Trimble County pay a median of $863 a month, 11% below the Kentucky figure of $967. By the Census definition, 29% of Trimble County renters are cost-burdened. With a median value of $172,000, a typical Trimble County house costs 2.6 times what the median household earns in a year. The ownership rate is 80%. Half the housing stock was built before 1989.
| Trimble County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median gross rent | $863/mo | $967/mo | $877/mo |
| Median home value | $172,000 | $205,600 | $185,300 |
| Owners | 80% | 68% | 75% |
| Rent-burdened renters | 29% | 45% | 45% |
| Burdened owners | 15% | 23% | n/a |
| Mobile homes | 28.9% | 10.7% | n/a |
| Vacant units | 13% | 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).
How Trimble County compares with nearby counties
Jefferson County is closest, 12 miles from center to center; the sixth, Scott County, is 22 miles off. Oldham County leads the group on income ($122,497), Scott County trails ($56,352), and Trimble County out-earns 4 of the six. The list crosses into Indiana, where different lending rules and regulators apply.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Trimble County | - | $66,027 | $863/mo | 80% |
| Jefferson County, IN | 12 mi | $64,577 | $890/mo | 72% |
| Carroll County, KY | 13 mi | $56,466 | $910/mo | 66% |
| Oldham County, KY | 16 mi | $122,497 | $1,219/mo | 87% |
| Henry County, KY | 17 mi | $63,347 | $895/mo | 76% |
| Clark County, IN | 22 mi | $74,214 | $1,129/mo | 75% |
| Scott County, IN | 22 mi | $56,352 | $822/mo | 71% |
Towns and communities in Trimble County
The table lists the 2 largest of 2 Census places in Trimble County, by population. Together all 2 hold about 1,023 people, so roughly 88% of residents live outside any named place. None of the 2 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Milton | city | 637 | $62,500 | $763 | 7 mi |
| Bedford | city | 386 | $41,875 | $884 | 3 mi |
Room for a loan payment in Trimble County
How much room does a median Trimble 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, Trimble County: $5,502
- Rent at the median, $863, takes 16% of that
- With a 35% ceiling, about $1,063 remains for car, card, student and any new loan payments
- $1,613: what a 45% ratio leaves once rent is paid
Two-income households and single earners in Trimble County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Trimble County
The county's numbers point to a few situations that come up often for Trimble County borrowers.
- Keeping the car running. At 19% with long commutes, repairs are a frequent Trimble County emergency; first decide if the car is worth fixing.
- Manufactured homes. 29% of Trimble County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Trimble County residents: age, schooling, coverage
College graduates make up 17% of the adult population. About 5% go without health insurance.
| Trimble County | Kentucky | U.S. county median | |
|---|---|---|---|
| Median age | 43.3 | 39.1 | 41.5 |
| Bachelor's or higher | 17.1% | 27.6% | 22.2% |
| No high school diploma | 12.4% | 11.1% | n/a |
| No health insurance | 5.2% | 6.0% | 7.8% |
| No vehicle | 3.0% | 6.8% | 5.4% |
| Work from home | 4.1% | 10.2% | 8.7% |
| Poverty rate | 13.3% | 16.1% | 13.2% |
| Unemployment (ACS) | 6.2% | 4.9% | 4.4% |
| Minutes to work | Trimble County workers |
|---|---|
| Under 15 min | 23.9% |
| 15 to 29 min | 34.9% |
| 30 to 44 min | 22.5% |
| 45 to 59 min | 11.7% |
| 60+ min | 7.1% |
Lender oversight for Trimble County
Licensing happens at the state level, so a lender working with Trimble County borrowers answers to the Kentucky Department of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Kentucky guide.
Checklist for Trimble County applicants
Before you apply, wherever you live in Trimble County:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Never pay a fee up front to get a loan.
Nearby and statewide guides
The Kentucky guide covers the whole state.
Frequently asked questions
What does a typical Trimble County household make?
About $66,027 a year at the median (ACS 2020-24), 4% above the Kentucky median.
How much is rent in Trimble County?
Median gross rent, utilities included, is $863 a month; 29% of renters spend 30% or more of income on it.
What are the biggest places in Trimble County?
By population: Milton, Bedford. The county has 2 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Trimble County or elsewhere in Kentucky, the same rules apply.
Who do I complain to about a lender in Trimble County?
Start with the Kentucky Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.