Kentucky · GEOID 21113

Jessamine County

2024 ACS 5-year estimates · population 54,588 · 21,198 housing units

Median household income

$74,576

State $64,919

Median home value

$268,100

State $206,017

Median gross rent

$1,124

State $980

Homeownership rate

66.7%

State 68.3%

Renter cost-burden rate

40.7%

≥30% of income

Owner cost-burden rate

19.0%

≥30% of income

Homeowner vacancy

0.5%

Of owner-occupied + for-sale units

Rental vacancy

2.8%

Of renter-occupied + for-rent units

Overall vacancy

6.1%

All housing units

Price-to-income ratio

3.59

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Jessamine County	Kentucky
Population	54,588	4,534,824
Population density (per sq. mi.)	317.16	—
Median household income	$74,576	$64,919
HUD Area Median Income (4-person, 100%)	$102,100	—
Households	19,913	—
Average household size	2.67 people	—
Owner-occupied	66.7%	68.3%
Renter-occupied	33.3%	31.7%
Race	87.0% White · 4.1% 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

Jessamine County compared with Kentucky.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

33.5% 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	18.3%	$49,835	$1,246	$154,483
1 earner	30.5%	$67,169	$1,679	$219,006
2 earners	42.7%	$115,994	$2,900	$400,750
3+ earners	8.5%	$145,859	$3,646	$511,917

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

19,913

Average size: 2.67 people

Households with children

5,287

26.6% of households

Per-capita income

$41,505

Poverty rate: 11.0%

Section 2

Residential Market Analysis

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

Tenure

66.7% owner-occupied vs. state average 68.3%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 81.2% · Missing middle (2–19 units) 13.0%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

29.6% built before 1980 · Median structure age 1,992.00 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: $268,100.

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: $1,124.

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 1,285 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 5.7% · For rent 15.1% · Seasonal 7.2% · Other 66.1%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

26.7% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 73.3% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.4%

92 units of 21,198 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

4.0%

850 units of 21,198 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$59,661

100% MHI$74,576

120% MHI$89,491

County-wide median from ACS 5-year estimates. A household at 100% MHI in Jessamine 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	$57,200	$65,400	$81,700
100% AMI	$71,470	$81,680	$102,100
120% AMI	$85,750	$98,000	$122,500

HUD FMR Area: Lexington-Fayette, KY MSA. 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

40.7% of renter households spend ≥30% of income on rent (21.3% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

19.0% 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 Jessamine County.

Covered employment

15,980

Across 18 sectors

Establishments

1,948

QCEW 2024

Avg annual pay (workforce)

$53,985

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 44-45 Retail trade NAICS 44-45	2,875	$40,536	$119,869	−$148,231	$1,013
NAICS 31-33 Manufacturing NAICS 31-33	2,274	$73,460	$242,424	−$25,676	$1,837
NAICS 72 Accommodation and food services NAICS 72	1,906	$22,354	$52,190	−$215,910	$559
NAICS 62 Health care and social assistance NAICS 62	1,609	$52,433	$164,154	−$103,946	$1,311
NAICS 23 Construction NAICS 23	1,532	$63,939	$206,983	−$61,117	$1,598
NAICS 42 Wholesale trade NAICS 42	1,212	$84,217	$282,465	+$14,365	$2,105
NAICS 61 Educational services NAICS 61	732	$40,554	$119,936	−$148,164	$1,014
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	681	$63,715	$206,149	−$61,951	$1,593
NAICS 92 Public administration NAICS 92	633	$54,705	$172,611	−$95,489	$1,368
NAICS 54 Professional, scientific, and technical services NAICS 54	601	$85,029	$285,487	+$17,387	$2,126
NAICS 81 Other services (except public administration) NAICS 81	598	$40,005	$117,893	−$150,207	$1,000
NAICS 71 Arts, entertainment, and recreation NAICS 71	487	$36,614	$105,270	−$162,830	$915
NAICS 52 Finance and insurance NAICS 52	334	$63,148	$204,039	−$64,061	$1,579
NAICS 53 Real estate and rental and leasing NAICS 53	246	$58,683	$187,419	−$80,681	$1,467
NAICS 51 Information NAICS 51	120	$52,698	$165,140	−$102,960	$1,317
NAICS 55 Management of companies and enterprises NAICS 55	66	$75,643	$250,549	−$17,551	$1,891
NAICS 48-49 Transportation and warehousing NAICS 48-49	60	$63,673	$205,993	−$62,107	$1,592
NAICS 99 Unclassified NAICS 99	14	$62,563	$201,861	−$66,239	$1,564

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	1,819	$21,094	$47,500	−$220,600	$527
NAICS 238 Specialty trade contractors NAICS 238	907	$61,777	$198,935	−$69,165	$1,544
NAICS 455 General merchandise retailers NAICS 455	754	$29,897	$80,267	−$187,833	$747
NAICS 611 Educational services NAICS 611	732	$40,554	$119,936	−$148,164	$1,014
NAICS 621 Ambulatory health care services NAICS 621	732	$72,583	$239,159	−$28,941	$1,815
NAICS 441 Motor vehicle and parts dealers NAICS 441	675	$61,851	$199,211	−$68,889	$1,546
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	626	$68,664	$224,571	−$43,529	$1,717
NAICS 541 Professional, scientific, and technical services NAICS 541	601	$85,029	$285,487	+$17,387	$2,126
NAICS 423 Merchant wholesalers, durable goods NAICS 423	554	$102,507	$350,546	+$82,446	$2,563
NAICS 921 Executive, legislative, and other general government support NAICS 921	516	$58,066	$185,122	−$82,978	$1,452
NAICS 561 Administrative and support services NAICS 561	496	$60,032	$192,440	−$75,660	$1,501
NAICS 445 Food and beverage retailers NAICS 445	449	$31,850	$87,537	−$180,563	$796
NAICS 236 Construction of buildings NAICS 236	367	$63,417	$205,040	−$63,060	$1,585
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	312	$41,815	$124,630	−$143,470	$1,045
NAICS 488 Support activities for transportation NAICS 488	307	$81,445	$272,146	+$4,046	$2,036
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	303	$23,098	$54,959	−$213,141	$577
NAICS 811 Repair and maintenance NAICS 811	274	$51,211	$159,605	−$108,495	$1,280
NAICS 237 Heavy and civil engineering construction NAICS 237	258	$72,283	$238,042	−$30,058	$1,807
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	248	$33,948	$95,346	−$172,754	$849
NAICS 333 Machinery manufacturing NAICS 333	245	$69,882	$229,105	−$38,995	$1,747
NAICS 812 Personal and laundry services NAICS 812	239	$28,359	$74,542	−$193,558	$709
NAICS 484 Truck transportation NAICS 484	204	$53,405	$167,772	−$100,328	$1,335
NAICS 332 Fabricated metal product manufacturing NAICS 332	189	$61,890	$199,356	−$68,744	$1,547
NAICS 562 Waste management and remediation services NAICS 562	186	$73,191	$241,422	−$26,678	$1,830
NAICS 522 Credit intermediation and related activities NAICS 522	175	$62,587	$201,951	−$66,149	$1,565
NAICS 457 Gasoline stations and fuel dealers NAICS 457	159	$24,169	$58,946	−$209,154	$604
NAICS 323 Printing and related support activities NAICS 323	154	$62,474	$201,530	−$66,570	$1,562
NAICS 532 Rental and leasing services NAICS 532	141	$64,392	$208,669	−$59,431	$1,610
NAICS 524 Insurance carriers and related activities NAICS 524	126	$60,021	$192,399	−$75,701	$1,501
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	123	$39,568	$116,266	−$151,834	$989
NAICS 456 Health and personal care retailers NAICS 456	107	$47,253	$144,872	−$123,228	$1,181
NAICS 531 Real estate NAICS 531	106	$50,534	$157,085	−$111,015	$1,263
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	99	$68,534	$224,087	−$44,013	$1,713
NAICS 325 Chemical manufacturing NAICS 325	96	$61,470	$197,793	−$70,307	$1,537
NAICS 721 Accommodation NAICS 721	87	$48,683	$150,195	−$117,905	$1,217
NAICS 493 Warehousing and storage NAICS 493	80	$57,097	$181,515	−$86,585	$1,427
NAICS 337 Furniture and related product manufacturing NAICS 337	72	$52,214	$163,339	−$104,761	$1,305
NAICS 551 Management of companies and enterprises NAICS 551	66	$75,643	$250,549	−$17,551	$1,891
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	63	$39,431	$115,756	−$152,344	$986
NAICS 491 Postal service NAICS 491	60	$63,673	$205,993	−$62,107	$1,592
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	49	$55,466	$175,444	−$92,656	$1,387
NAICS 922 Justice, public order, and safety activities NAICS 922	42	$48,155	$148,230	−$119,870	$1,204
NAICS 115 Support activities for agriculture and forestry NAICS 115	41	$53,782	$169,175	−$98,925	$1,345
NAICS 112 Animal production and aquaculture NAICS 112	39	$39,169	$114,781	−$153,319	$979
NAICS 425 Wholesale trade agents and brokers NAICS 425	33	$69,644	$228,219	−$39,881	$1,741
NAICS 517 Telecommunications NAICS 517	24	$58,066	$185,122	−$82,978	$1,452
NAICS 814 Private households NAICS 814	23	$27,354	$70,801	−$197,299	$684
NAICS 339 Miscellaneous manufacturing NAICS 339	22	$73,212	$241,500	−$26,600	$1,830
NAICS 513 Publishing industries NAICS 513	20	$128,518	$447,368	+$179,268	$3,213
NAICS 314 Textile product mills NAICS 314	14	$38,915	$113,835	−$154,265	$973
NAICS 485 Transit and ground passenger transportation NAICS 485	14	$46,852	$143,380	−$124,720	$1,171
NAICS 999 Unclassified NAICS 999	14	$62,563	$201,861	−$66,239	$1,564
NAICS 926 Administration of economic programs NAICS 926	13	$48,768	$150,512	−$117,588	$1,219
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	11	$61,173	$196,687	−$71,413	$1,529
NAICS 923 Administration of human resource programs NAICS 923	8	$68,535	$224,091	−$44,009	$1,713

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	5,500	(3,380)	(38%)	$13.37	$27,810	$72,499	$695
Cashiers SOC 41-2011	5,250	(830)	(14%)	$14.29	$29,710	$79,571	$743
Retail Salespersons SOC 41-2031	7,810	(780)	(9%)	$16.05	$33,390	$93,269	$835
Childcare Workers SOC 39-9011	850	(1,070)	(56%)	$16.30	$33,910	$95,205	$848
Janitors and Cleaners SOC 37-2011	3,410	170	5%	$17.44	$36,280	$104,027	$907
Waiters and Waitresses SOC 35-3031	5,020	(60)	(1%)	$17.91	$37,250	$107,638	$931
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	3,250	140	5%	$19.33	$40,210	$118,656	$1,005
Office Clerks, General SOC 43-9061	5,000	1,610	47%	$19.35	$40,240	$118,767	$1,006
Firefighters SOC 33-2011	940	300	47%	$19.70	$40,980	$121,522	$1,025
Tellers SOC 43-3071	500	(360)	(42%)	$19.88	$41,340	$122,862	$1,034
Construction Laborers SOC 47-2061	1,810	630	53%	$22.30	$46,370	$141,585	$1,159
Maintenance and Repair Workers, General SOC 49-9071	3,220	910	39%	$23.23	$48,310	$148,807	$1,208
Carpenters SOC 47-2031	1,200	490	69%	$26.74	$55,630	$176,054	$1,391
Electricians SOC 47-2111	1,500	560	60%	$27.60	$57,400	$182,643	$1,435
Paramedics SOC 29-2043 · prior-year code differs	200	(20)	(9%)	$27.61	$57,430	$182,754	$1,436
Elementary School Teachers, Except Special Education SOC 25-2021	2,420	410	20%	—	$62,910	$203,153	$1,573
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	4,460	730	20%	$30.43	$63,290	$204,567	$1,582
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	810	220	37%	$32.07	$66,710	$217,298	$1,668
Police and Sheriff's Patrol Officers SOC 33-3051	1,090	10	1%	$32.21	$67,010	$218,414	$1,675
Registered Nurses SOC 29-1141	8,070	860	12%	$41.37	$86,050	$289,288	$2,151

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: 21113 · pulled from Full Housing Data Table.xlsx.