Franklin
Kentucky

What stands out

If you had to describe Franklin County in numbers, start here: rainfall is among the wettest in America (65 inches a year), the overdose death rate is in the top 3% of American counties (50 per 100,000), and homeownership is in the bottom 12% of American counties (63%). Within Kentucky it ranks 10th of 120 counties for rainfall.

Where you are

You live in Franklin County, Kentucky. 51,475 people live here with you. The population held steady at 0.2% last year, and more Americans moved in than out (net +191).

Kentucky moved to a flat income tax, 3.5% for 2026, and exempts the first $31,110 of pension and retirement income per person. It has an inheritance tax, but spouses, children, parents and siblings are exempt. Home prices are among the lowest in the country outside Louisville and Lexington, and the state has some of the cheapest electricity, much of it still coal-fired.

Money

The typical household here brings in $62,929 a year, higher than 57% of American counties. Employers pay an average wage of $60,163. Unemployment runs 3.4%, lower than 52% of American counties. 11% of workers work from home; for the rest the average commute is 18 minutes each way.

Kentucky takes 3.5% of that median income in state income tax, about $2,203 a year.

Home

The median home costs $248K, pricier than 55% of American counties, about 2.3 years of the median household's income. A two-bedroom rents for around $929 a month. Property tax is 0.87% of home value, roughly $1,605 a year on that median home, higher than 51% of American counties. 63% of households own rather than rent.

Safety and health

Violent crime here is 4.4 per 1,000 residents, higher than 77% of American counties. Drug overdoses killed 50 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 74.2 years, shorter than 68% of American counties. There are 70 active physicians in the county, about 13.6 per 10,000 people. Medicare rates the local hospitals 3.0 of 5 stars. 7.9% of people under 65 have no health insurance.

School

Local students test at grade level 2.74 where 3.0 is national grade level, lower than 79% of American counties. 92% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted almost evenly. 67% of eligible voters turned out. Under Kentucky law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is medical only.

Weather and risk

The year averages 56°F, highs near 67 and lows near 46, warmer than 53% of American counties. About 65 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 63 out of 100, riskier than 63% of American counties; the county has had 27 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 186 Mbps down, slower than 56% of American counties. There are 2 airports in the county, counting general aviation. For a night or a weekend out: 0.8 full-service restaurants per 1,000 people.