Kentucky · GEOID 21037

Campbell County

2024 ACS 5-year estimates · population 93,426 · 42,065 housing units

Median household income

$77,567

State $64,919

Median home value

$252,000

State $206,017

Median gross rent

$1,145

State $980

Homeownership rate

71.1%

State 68.3%

Renter cost-burden rate

49.1%

≥30% of income

Owner cost-burden rate

17.6%

≥30% of income

Homeowner vacancy

0.4%

Of owner-occupied + for-sale units

Rental vacancy

6.8%

Of renter-occupied + for-rent units

Overall vacancy

6.7%

All housing units

Price-to-income ratio

3.25

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Campbell County	Kentucky
Population	93,426	4,534,824
Population density (per sq. mi.)	617.41	—
Median household income	$77,567	$64,919
HUD Area Median Income (4-person, 100%)	$109,900	—
Households	39,232	—
Average household size	2.32 people	—
Owner-occupied	71.1%	68.3%
Renter-occupied	28.9%	31.7%
Race	90.9% White · 2.8% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Campbell County compared with Kentucky.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

39.7% hold a bachelor's degree or higher (state: 27.6%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	15.8%	$48,750	$1,219	$150,445
1 earner	26.0%	$72,223	$1,806	$237,819
2 earners	44.7%	$134,781	$3,370	$470,681
3+ earners	13.5%	$167,938	$4,198	$594,103

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

39,232

Average size: 2.32 people

Households with children

9,293

23.7% of households

Per-capita income

$46,100

Poverty rate: 10.2%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

71.1% owner-occupied vs. state average 68.3%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 67.8% · Missing middle (2–19 units) 23.2%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

56.4% built before 1980 · Median structure age 1,972.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $252,000.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,145.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 2,833 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 4.4% · For rent 29.7% · Seasonal 6.1% · Other 49.0%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

44.9% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 55.1% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.4%

173 units of 42,065 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

3.3%

1,389 units of 42,065 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$62,054

100% MHI$77,567

120% MHI$93,080

County-wide median from ACS 5-year estimates. A household at 100% MHI in Campbell County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$61,550	$70,350	$87,900
100% AMI	$76,930	$87,920	$109,900
120% AMI	$92,300	$105,500	$131,900

HUD FMR Area: Cincinnati, OH-KY-IN HUD Metro FMR Area. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

49.1% of renter households spend ≥30% of income on rent (25.9% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

17.6% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Campbell County.

Covered employment

25,845

Across 18 sectors

Establishments

3,152

QCEW 2024

Avg annual pay (workforce)

$56,917

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 62 Health care and social assistance NAICS 62	4,932	$63,996	$207,195	−$44,805	$1,600
NAICS 72 Accommodation and food services NAICS 72	4,397	$22,756	$53,686	−$198,314	$569
NAICS 44-45 Retail trade NAICS 44-45	4,013	$38,666	$112,908	−$139,092	$967
NAICS 54 Professional, scientific, and technical services NAICS 54	2,256	$80,023	$266,853	+$14,853	$2,001
NAICS 31-33 Manufacturing NAICS 31-33	2,033	$83,466	$279,669	+$27,669	$2,087
NAICS 42 Wholesale trade NAICS 42	1,310	$81,827	$273,568	+$21,568	$2,046
NAICS 48-49 Transportation and warehousing NAICS 48-49	1,184	$61,128	$196,520	−$55,480	$1,528
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	1,045	$64,520	$209,146	−$42,854	$1,613
NAICS 92 Public administration NAICS 92	1,028	$70,479	$231,327	−$20,673	$1,762
NAICS 81 Other services (except public administration) NAICS 81	927	$42,008	$125,349	−$126,651	$1,050
NAICS 71 Arts, entertainment, and recreation NAICS 71	729	$26,261	$66,733	−$185,267	$657
NAICS 52 Finance and insurance NAICS 52	679	$83,109	$278,340	+$26,340	$2,078
NAICS 53 Real estate and rental and leasing NAICS 53	605	$84,013	$281,705	+$29,705	$2,100
NAICS 51 Information NAICS 51	334	$81,142	$271,019	+$19,019	$2,029
NAICS 55 Management of companies and enterprises NAICS 55	188	$154,180	$542,891	+$290,891	$3,855
NAICS 61 Educational services NAICS 61	167	$37,365	$108,066	−$143,934	$934
NAICS 22 Utilities NAICS 22	10	$153,950	$542,035	+$290,035	$3,849
NAICS 99 Unclassified NAICS 99	8	$161,331	$569,509	+$317,509	$4,033

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	4,301	$22,629	$53,213	−$198,787	$566
NAICS 541 Professional, scientific, and technical services NAICS 541	2,256	$80,023	$266,853	+$14,853	$2,001
NAICS 621 Ambulatory health care services NAICS 621	1,795	$95,608	$324,866	+$72,866	$2,390
NAICS 622 Hospitals NAICS 622	1,463	$52,145	$163,082	−$88,918	$1,304
NAICS 238 Specialty trade contractors NAICS 238	1,159	$76,775	$254,763	+$2,763	$1,919
NAICS 561 Administrative and support services NAICS 561	1,012	$64,183	$207,891	−$44,109	$1,605
NAICS 455 General merchandise retailers NAICS 455	930	$26,450	$67,436	−$184,564	$661
NAICS 445 Food and beverage retailers NAICS 445	923	$32,936	$91,579	−$160,421	$823
NAICS 624 Social assistance NAICS 624	882	$30,305	$81,786	−$170,214	$758
NAICS 921 Executive, legislative, and other general government support NAICS 921	779	$70,137	$230,054	−$21,946	$1,753
NAICS 623 Nursing and residential care facilities NAICS 623	721	$50,780	$158,001	−$93,999	$1,270
NAICS 441 Motor vehicle and parts dealers NAICS 441	707	$61,674	$198,552	−$53,448	$1,542
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	605	$65,287	$212,001	−$39,999	$1,632
NAICS 423 Merchant wholesalers, durable goods NAICS 423	583	$97,193	$330,766	+$78,766	$2,430
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	422	$33,221	$92,640	−$159,360	$831
NAICS 484 Truck transportation NAICS 484	413	$72,228	$237,838	−$14,162	$1,806
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	402	$22,654	$53,306	−$198,694	$566
NAICS 811 Repair and maintenance NAICS 811	382	$50,323	$156,300	−$95,700	$1,258
NAICS 532 Rental and leasing services NAICS 532	376	$101,062	$345,168	+$93,168	$2,527
NAICS 236 Construction of buildings NAICS 236	370	$65,261	$211,904	−$40,096	$1,632
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	360	$29,585	$79,106	−$172,894	$740
NAICS 812 Personal and laundry services NAICS 812	332	$40,516	$119,795	−$132,205	$1,013
NAICS 922 Justice, public order, and safety activities NAICS 922	324	$63,524	$205,438	−$46,562	$1,588
NAICS 522 Credit intermediation and related activities NAICS 522	291	$93,339	$316,420	+$64,420	$2,333
NAICS 456 Health and personal care retailers NAICS 456	271	$59,923	$192,034	−$59,966	$1,498
NAICS 524 Insurance carriers and related activities NAICS 524	265	$77,299	$256,714	+$4,714	$1,932
NAICS 485 Transit and ground passenger transportation NAICS 485	211	$32,712	$90,746	−$161,254	$818
NAICS 332 Fabricated metal product manufacturing NAICS 332	205	$84,193	$282,375	+$30,375	$2,105
NAICS 488 Support activities for transportation NAICS 488	192	$94,044	$319,044	+$67,044	$2,351
NAICS 551 Management of companies and enterprises NAICS 551	188	$154,180	$542,891	+$290,891	$3,855
NAICS 457 Gasoline stations and fuel dealers NAICS 457	187	$33,826	$94,892	−$157,108	$846
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	174	$31,071	$84,637	−$167,363	$777
NAICS 611 Educational services NAICS 611	167	$37,365	$108,066	−$143,934	$934
NAICS 323 Printing and related support activities NAICS 323	158	$70,530	$231,517	−$20,483	$1,763
NAICS 312 Beverage and tobacco product manufacturing NAICS 312	157	$55,739	$176,460	−$75,540	$1,393
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	135	$34,454	$97,230	−$154,770	$861
NAICS 425 Wholesale trade agents and brokers NAICS 425	122	$90,421	$305,558	+$53,558	$2,261
NAICS 492 Couriers and messengers NAICS 492	115	$42,755	$128,129	−$123,871	$1,069
NAICS 491 Postal service NAICS 491	114	$69,068	$226,075	−$25,925	$1,727
NAICS 517 Telecommunications NAICS 517	113	$78,519	$261,255	+$9,255	$1,963
NAICS 721 Accommodation NAICS 721	95	$28,739	$75,957	−$176,043	$718
NAICS 512 Motion picture and sound recording industries NAICS 512	93	$32,059	$88,315	−$163,685	$801
NAICS 513 Publishing industries NAICS 513	92	$118,301	$409,337	+$157,337	$2,958
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	84	$57,831	$184,247	−$67,753	$1,446
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	76	$61,547	$198,079	−$53,921	$1,539
NAICS 339 Miscellaneous manufacturing NAICS 339	40	$87,463	$294,547	+$42,547	$2,187
NAICS 814 Private households NAICS 814	38	$22,644	$53,269	−$198,731	$566
NAICS 562 Waste management and remediation services NAICS 562	33	$74,865	$247,653	−$4,347	$1,872
NAICS 518 Computing infrastructure providers, data processing, web hosting, and related services NAICS 518	27	$130,832	$455,982	+$203,982	$3,271
NAICS 928 National security and international affairs NAICS 928	26	$70,889	$232,853	−$19,147	$1,772
NAICS 325 Chemical manufacturing NAICS 325	26	$78,895	$262,654	+$10,654	$1,972
NAICS 333 Machinery manufacturing NAICS 333	17	$110,230	$379,294	+$127,294	$2,756
NAICS 334 Computer and electronic product manufacturing NAICS 334	11	$202,841	$724,023	+$472,023	$5,071
NAICS 221 Utilities NAICS 221	10	$153,950	$542,035	+$290,035	$3,849
NAICS 999 Unclassified NAICS 999	8	$161,331	$569,509	+$317,509	$4,033
NAICS 926 Administration of economic programs NAICS 926	4	$139,170	$487,018	+$235,018	$3,479
NAICS 335 Electrical equipment, appliance, and component manufacturing NAICS 335	3	$147,286	$517,229	+$265,229	$3,682

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	30,950	(4,010)	(11%)	$14.45	$30,050	$80,837	$751
Cashiers SOC 41-2011	19,580	(1,200)	(6%)	$14.76	$30,690	$83,219	$767
Childcare Workers SOC 39-9011	2,390	(2,800)	(54%)	$15.46	$32,160	$88,691	$804
Retail Salespersons SOC 41-2031	28,670	(1,190)	(4%)	$16.70	$34,730	$98,257	$868
Janitors and Cleaners SOC 37-2011	13,560	(2,680)	(17%)	$18.18	$37,800	$109,685	$945
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	11,390	(8,180)	(42%)	$20.17	$41,950	$125,133	$1,049
Tellers SOC 43-3071	3,170	(530)	(14%)	$21.50	$44,730	$135,481	$1,118
Waiters and Waitresses SOC 35-3031	17,790	(2,120)	(11%)	$21.51	$44,740	$135,518	$1,119
Office Clerks, General SOC 43-9061	16,750	760	5%	$22.06	$45,890	$139,799	$1,147
Paramedics SOC 29-2043 · prior-year code differs	650	(1,380)	(68%)	$25.74	$53,540	$168,275	$1,339
Maintenance and Repair Workers, General SOC 49-9071	12,140	2,470	26%	$26.91	$55,970	$177,320	$1,399
Firefighters SOC 33-2011	3,380	(580)	(15%)	$27.65	$57,510	$183,052	$1,438
Construction Laborers SOC 47-2061	5,700	230	4%	$27.81	$57,840	$184,281	$1,446
Carpenters SOC 47-2031	4,610	300	7%	$29.86	$62,110	$200,175	$1,553
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	13,820	1,460	12%	$30.37	$63,170	$204,121	$1,579
Electricians SOC 47-2111	5,640	1,410	33%	$32.13	$66,830	$217,744	$1,671
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	3,640	890	32%	$33.93	$70,570	$231,666	$1,764
Elementary School Teachers, Except Special Education SOC 25-2021	9,150	(920)	(9%)	—	$71,030	$233,378	$1,776
Police and Sheriff's Patrol Officers SOC 33-3051	3,900	(60)	(2%)	$38.20	$79,450	$264,720	$1,986
Registered Nurses SOC 29-1141	28,520	4,810	20%	$43.24	$89,940	$303,768	$2,249

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 21037 · pulled from Full Housing Data Table.xlsx.