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Rowan
Kentucky

25K

Population

$50K

Median Income

$184K

Median Home

R+21

Politics

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What stands out

Against every county in America, Rowan County is unusual in three ways: the overdose death rate is among the highest in America (66 per 100,000), home internet speed is among the fastest in America (333 Mbps), and violent crime is in the top 7% of American counties (4.9 per 1,000). Within Kentucky it ranks 13th of 120 counties for the overdose death rate.

Where you are

You live in Rowan County, Kentucky. 24,551 people live here with you. The population held steady at 0.1% last year, and more Americans moved in than out (net +25).

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 $50,038 a year, lower than 79% of American counties. Employers pay an average wage of $48,895. Unemployment runs 4.6%, higher than 83% of American counties. 7% of workers work from home; for the rest the average commute is 20 minutes each way.

Kentucky takes 3.5% of that median income in state income tax, about $1,751 a year.

Home

The median home costs $188K, cheaper than 68% of American counties, about 2.3 years of the median household's income. A two-bedroom rents for around $735 a month. Property tax is 0.56% of home value, roughly $847 a year on that median home, lower than 81% of American counties. 61% of households own rather than rent.

Safety and health

Violent crime here is 4.9 per 1,000 residents, higher than 93% of American counties. Drug overdoses killed 66 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 73.5 years, shorter than 75% of American counties. There are 68 active physicians in the county, about 27.7 per 10,000 people. Medicare rates the local hospitals 2.0 of 5 stars. 7.7% of people under 65 have no health insurance.

School

Local students test at grade level 3.01 where 3.0 is national grade level, lower than 53% of American counties. 87% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 21 points. 52% 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 55°F, highs near 66 and lows near 44, colder than 53% of American counties. About 54 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 31 out of 100, safer than 69% of American counties; the county has had 32 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 333 Mbps down, faster than almost every county in America. There are 0 airports in the county, counting general aviation. For a night or a weekend out: 0.6 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$50K
This county
national avg ~$75K
Poverty Rate21.4%
This county
national avg ~11.5%
Unemployment Rate4.6%
This county
national avg ~3.8%
GDP per Capita$41,416
Federal Spending per Capita$1,646
Median Individual Earnings$30K
This county
national avg $45K
Professional/Management Workers39.5%
Average Adjusted Gross Income$56K
Avg Credit Score653
Work From Home %6.8%
This county
national avg 17.0%
Population Under 1819.4%
This county
national avg 22.0%
Single-Person Households29.4%
This county
national avg 28.0%
Banks & Finance Firms23
Income (20th Percentile)$19K
Income (80th Percentile)$108K
Income (95th Percentile)$209K
Bachelor's Degree or Higher27.1%
This county
national avg 34.3%
Less Than High School13.2%
This county
national avg 11.0%
Knowledge Economy GDP %1.7%
Dependency Ratio0.50
Medicare Spending / Person$2,859
SS Benefits / Person$3,501
Education Wage Premium2.21x
Median Earnings (Bachelor's)$46K
Median Earnings (Graduate)$67K
Median Earnings (HS Diploma)$30K
Public Assistance Recipients2.9%
Average Annual Wage$49K
Professional Services Concentration0.18x national
This county
1.0 = national average share
Federal Government Jobs Located Here100
Federal Share of Jobs Located Here0.9%
Residents Who Work for the Federal Government2.4%
Federal Civilian Share of Earnings1.9%
Federal Contract Dollars Performed Here (FY2025)$15M
Contract Dollars Relative to Local Wages0.03x wages
Largest Award's Share of Contract Dollars98%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$184K
This county
$215K state avg
$303K national
Market Rent (ZORI)$1154/mo
This county
$1050/mo state avg
$1400/mo national
Property Tax Rate0.56%
This county
0.78% state avg
1.10% national

Annual tax on median home: $847

Affordability & Supply

HUD Fair Market Rent (2BR)$911/mo
Home Price Change (1 yr)+12.1%++7.1% since 2024
Home Value to Income Ratio2.3x income
Severely Cost-Burdened Households9.4%
Homeownership Rate61.4%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
22.0%
Active Listings
59
New Listings / Month
21

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
39 days
Months of Supply (Redfin)— Balanced market
5.0 mo
Sold Above List (Redfin)
9.1%
Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list
96.0%

Source: Redfin · Updated monthly

Health

Life Expectancy73.5 yrs
This county
national avg ~78.5 years
Hospital Rating2.0 / 5
This county
national avg 3.0 stars
Food Insecurity15.8%
This county
national avg ~11%
Food Environment Index7.4 / 10
This county
higher = better access
Primary Care Shortage Score17
This county
national avg 5
Mental Health Shortage Score16
Dental Care Shortage Score19
Healthcare Shortage Score17.3
Healthcare Offices40
Active Physicians68
Nursing Home Rating2.0 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients691 / 1,000
Medicare Cost per Beneficiary$11,501
Uninsured (under 65)7.7%
This county
national avg ~10%

Education

Math Test Scores2.98 grade level
Reading Test Scores3.05 grade level
HS Diploma Holders3,768
Bachelor's Degree Holders1,812
HS Completion Rate86.8%
This county
national avg ~85%
Private Schools4

Safety

Violent Crime Rate4.9 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate15.4 / 100K
This county
national avg ~13.6/100K
Drug Overdose Rate62.2 / 100K
This county
national avg ~21/100K
Traffic Fatalities5
Social Vulnerability (CDC SVI)51th pct
Drug Overdose Deaths (2024)65.5 / 100K
Suicide Rate13.8 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale1.0
January Sunshine-0.80
January Temperature0.14
Average Temp55°F+1.5% since 2022
Avg High Temp66°F+0.3% since 2022
Avg Low Temp44°F+3.1% since 2022
Annual Precipitation54.3 in/yr+13% since 2022
Avg Storm Events7.8 storms/yr
Avg Annual Storm Damage$20K
Drought Index (2022)0.34
Heating Degree Days4,730 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,130 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,944 HDD/yr
Cooling Degree Days (1901–2000 Baseline)993 CDD/yr
Avg Tornadoes / Year0.4
Avg Flood Events / Year1.8
Avg Hail Events / Year0.4
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)31 / 100
Community Resilience (FEMA)38 / 100
Federal Disaster Declarations32 since 1953
Fine Particulate Pollution (PM2.5)7.4 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)15 properties
FAA-Registered Airports1 total
Airports (excl. heliports)0 airports

Internet & Remote Work

Download Speed333 Mbps
This county
national avg ~120 Mbps
Upload Speed93 Mbps
Fixed Internet (Q1 2026)397 Mbps
Mobile Internet (Q1 2026)271 Mbps
Mobile Upload (Q1 2026)27 Mbps
Mobile Latency (Q1 2026)33 ms
Households with 100Mbps+98.5%
This county
national avg 75.0%
Cellular-Only Internet12.3%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)261 Mbps

EV Infrastructure

EV Charging Stations4 stations
DC Fast Chargers4 chargers
Level 2 EV Chargers7

Commute & Transit

Remote Workers721 workers
Public Transit Commuters74 workers
Walk to Work (workers)590 workers
Extreme Commutes (90+ min)267 workers
Avg Commute Time20.3 min
This county
national avg ~27 min
Bike Commuters0.2%
Walk to Work5.6%

Families & Childcare

Childcare Cost Burden25.3%
This county
national median ~27% of household income
Childcare Centers8.4 per 10K residents
Childcare Facilities5

Civic & Community

Voter Turnout51.7%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)5.801
Nonprofit Organizations108
Veterans Share4.7%
This county
national avg 7.0%
Married Adults43.6%
Never-Married Adults40.1%
Divorced Adults10.7%
Religious Organizations11
Asian Population0.8%
Native American Population0.0%
Membership Associations5.2 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.61 per 1K residents
Colleges & Universities1
Nursing & Care Facilities39
Grocery Stores3
Hotels & Lodging7
Professional Services Firms30
Veterinary Practices5
Real Estate Firms20
Debt Burden
Avg Mortgage Balance$46K
Avg Student Loan Balance$13K
Avg Credit Card Balance$3K
Loan Delinquency Rate52.2%
This county
national avg 4.0%

Innovation

Inventor Rate0.08%

Politics

R+21

2024 Presidential · Kentucky was R+26 statewide

vs Kentucky State

Income tax
4%Same (state law)
Property tax
0.56%0.78% state avg
Politics
R+21R+26
COL Index
85state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +25

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.70x avg income)

Economic Mobility

37%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Rowan County

Median home value: $188K

View on Zillow →View on Realtor.com →

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Full Kentucky profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

Adjust and every page updates live

Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable