Kentucky · GEOID 21145

McCracken County

2024 ACS 5-year estimates · population 67,564 · 32,280 housing units

Median household income

$64,373

State $64,919

Median home value

$188,100

State $206,017

Median gross rent

$898

State $980

Homeownership rate

68.9%

State 68.3%

Renter cost-burden rate

43.6%

≥30% of income

Owner cost-burden rate

16.6%

≥30% of income

Homeowner vacancy

0.5%

Of owner-occupied + for-sale units

Rental vacancy

4.2%

Of renter-occupied + for-rent units

Overall vacancy

14.5%

All housing units

Price-to-income ratio

2.92

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	McCracken County	Kentucky
Population	67,564	4,534,824
Population density (per sq. mi.)	271.57	—
Median household income	$64,373	$64,919
HUD Area Median Income (4-person, 100%)	$102,400	—
Households	27,601	—
Average household size	2.40 people	—
Owner-occupied	68.9%	68.3%
Renter-occupied	31.1%	31.7%
Race	82.0% White · 9.7% 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

McCracken County compared with Kentucky.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

29.0% 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	20.4%	$47,142	$1,179	$144,459
1 earner	30.5%	$64,419	$1,610	$208,770
2 earners	38.7%	$126,115	$3,153	$438,423
3+ earners	10.4%	$124,350	$3,109	$431,853

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

27,601

Average size: 2.40 people

Households with children

6,693

24.2% of households

Per-capita income

$39,193

Poverty rate: 15.1%

Section 2

Residential Market Analysis

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

Tenure

68.9% owner-occupied vs. state average 68.3%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 69.1% · Missing middle (2–19 units) 16.7%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

53.2% built before 1980 · Median structure age 1,978.00 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: $188,100.

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: $898.

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 4,679 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 1.9% · For rent 8.2% · Seasonal 4.0% · Other 80.1%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

15.9% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 84.1% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.6%

187 units of 32,280 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

11.6%

3,750 units of 32,280 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

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$51,498

100% MHI$64,373

120% MHI$77,248

County-wide median from ACS 5-year estimates. A household at 100% MHI in McCracken 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	$55,550	$63,500	$79,350
100% AMI	$71,680	$81,920	$102,400
120% AMI	$86,000	$98,300	$122,900

HUD FMR Area: McCracken County, KY 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

43.6% of renter households spend ≥30% of income on rent (21.1% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

16.6% 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 McCracken County.

Covered employment

36,678

Across 19 sectors

Establishments

2,724

QCEW 2024

Avg annual pay (workforce)

$57,462

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	8,232	$68,918	$225,517	+$37,417	$1,723
NAICS 44-45 Retail trade NAICS 44-45	5,895	$34,042	$95,696	−$92,404	$851
NAICS 72 Accommodation and food services NAICS 72	4,984	$21,206	$47,916	−$140,184	$530
NAICS 48-49 Transportation and warehousing NAICS 48-49	3,477	$86,880	$292,377	+$104,277	$2,172
NAICS 23 Construction NAICS 23	2,448	$68,458	$223,804	+$35,704	$1,711
NAICS 54 Professional, scientific, and technical services NAICS 54	2,233	$88,977	$300,183	+$112,083	$2,224
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	1,971	$50,341	$156,367	−$31,733	$1,259
NAICS 31-33 Manufacturing NAICS 31-33	1,930	$64,399	$208,695	+$20,595	$1,610
NAICS 81 Other services (except public administration) NAICS 81	1,007	$46,416	$141,757	−$46,343	$1,160
NAICS 52 Finance and insurance NAICS 52	945	$74,841	$247,564	+$59,464	$1,871
NAICS 92 Public administration NAICS 92	768	$63,877	$206,752	+$18,652	$1,597
NAICS 61 Educational services NAICS 61	680	$32,923	$91,531	−$96,569	$823
NAICS 51 Information NAICS 51	655	$78,498	$261,177	+$73,077	$1,962
NAICS 71 Arts, entertainment, and recreation NAICS 71	438	$23,428	$56,187	−$131,913	$586
NAICS 22 Utilities NAICS 22	379	$132,248	$461,252	+$273,152	$3,306
NAICS 53 Real estate and rental and leasing NAICS 53	335	$52,796	$165,505	−$22,595	$1,320
NAICS 55 Management of companies and enterprises NAICS 55	254	$85,222	$286,206	+$98,106	$2,131
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	36	$39,688	$116,713	−$71,387	$992
NAICS 99 Unclassified NAICS 99	11	$50,128	$155,574	−$32,526	$1,253

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 722 Food services and drinking places NAICS 722	4,608	$20,868	$46,658	−$141,442	$522
NAICS 621 Ambulatory health care services NAICS 621	3,293	$89,760	$303,098	+$114,998	$2,244
NAICS 541 Professional, scientific, and technical services NAICS 541	2,233	$88,977	$300,183	+$112,083	$2,224
NAICS 483 Water transportation NAICS 483	2,183	$101,921	$348,365	+$160,265	$2,548
NAICS 238 Specialty trade contractors NAICS 238	1,752	$70,534	$231,532	+$43,432	$1,763
NAICS 561 Administrative and support services NAICS 561	1,694	$40,766	$120,725	−$67,375	$1,019
NAICS 455 General merchandise retailers NAICS 455	1,457	$29,985	$80,595	−$107,505	$750
NAICS 423 Merchant wholesalers, durable goods NAICS 423	1,184	$70,517	$231,469	+$43,369	$1,763
NAICS 624 Social assistance NAICS 624	1,024	$33,535	$93,809	−$94,291	$838
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	818	$40,603	$120,119	−$67,981	$1,015
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	743	$28,391	$74,661	−$113,439	$710
NAICS 441 Motor vehicle and parts dealers NAICS 441	684	$60,550	$194,368	+$6,268	$1,514
NAICS 611 Educational services NAICS 611	680	$32,923	$91,531	−$96,569	$823
NAICS 457 Gasoline stations and fuel dealers NAICS 457	562	$18,854	$39,161	−$148,939	$471
NAICS 424 Merchant wholesalers, nondurable goods NAICS 424	560	$58,793	$187,828	−$272	$1,470
NAICS 445 Food and beverage retailers NAICS 445	538	$27,451	$71,162	−$116,938	$686
NAICS 522 Credit intermediation and related activities NAICS 522	512	$70,691	$232,116	+$44,016	$1,767
NAICS 811 Repair and maintenance NAICS 811	490	$54,789	$172,924	−$15,176	$1,370
NAICS 492 Couriers and messengers NAICS 492	471	$50,265	$156,084	−$32,016	$1,257
NAICS 236 Construction of buildings NAICS 236	445	$63,786	$206,414	+$18,314	$1,595
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	419	$20,413	$44,965	−$143,135	$510
NAICS 336 Transportation equipment manufacturing NAICS 336	397	$89,265	$301,255	+$113,155	$2,232
NAICS 456 Health and personal care retailers NAICS 456	395	$39,710	$116,795	−$71,305	$993
NAICS 221 Utilities NAICS 221	379	$132,248	$461,252	+$273,152	$3,306
NAICS 721 Accommodation NAICS 721	376	$25,347	$63,331	−$124,769	$634
NAICS 484 Truck transportation NAICS 484	345	$70,847	$232,697	+$44,597	$1,771
NAICS 524 Insurance carriers and related activities NAICS 524	344	$50,650	$157,517	−$30,583	$1,266
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	288	$21,768	$50,008	−$138,092	$544
NAICS 332 Fabricated metal product manufacturing NAICS 332	288	$69,390	$227,274	+$39,174	$1,735
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	281	$41,507	$123,484	−$64,616	$1,038
NAICS 562 Waste management and remediation services NAICS 562	276	$109,293	$375,806	+$187,706	$2,732
NAICS 488 Support activities for transportation NAICS 488	270	$71,451	$234,945	+$46,845	$1,786
NAICS 551 Management of companies and enterprises NAICS 551	254	$85,222	$286,206	+$98,106	$2,131
NAICS 237 Heavy and civil engineering construction NAICS 237	251	$62,255	$200,715	+$12,615	$1,556
NAICS 812 Personal and laundry services NAICS 812	242	$38,922	$113,861	−$74,239	$973
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	236	$41,056	$121,805	−$66,295	$1,026
NAICS 922 Justice, public order, and safety activities NAICS 922	204	$61,102	$196,423	+$8,323	$1,528
NAICS 531 Real estate NAICS 531	196	$46,704	$142,829	−$45,271	$1,168
NAICS 513 Publishing industries NAICS 513	148	$78,690	$261,891	+$73,791	$1,967
NAICS 532 Rental and leasing services NAICS 532	138	$61,832	$199,140	+$11,040	$1,546
NAICS 926 Administration of economic programs NAICS 926	125	$74,274	$245,454	+$57,354	$1,857
NAICS 491 Postal service NAICS 491	112	$68,010	$222,137	+$34,037	$1,700
NAICS 327 Nonmetallic mineral product manufacturing NAICS 327	94	$54,432	$171,595	−$16,505	$1,361
NAICS 333 Machinery manufacturing NAICS 333	76	$53,039	$166,410	−$21,690	$1,326
NAICS 517 Telecommunications NAICS 517	75	$73,440	$242,349	+$54,249	$1,836
NAICS 339 Miscellaneous manufacturing NAICS 339	64	$37,717	$109,376	−$78,724	$943
NAICS 923 Administration of human resource programs NAICS 923	44	$98,990	$337,455	+$149,355	$2,475
NAICS 814 Private households NAICS 814	38	$20,676	$45,944	−$142,156	$517
NAICS 323 Printing and related support activities NAICS 323	35	$39,437	$115,778	−$72,322	$986
NAICS 921 Executive, legislative, and other general government support NAICS 921	31	$56,019	$177,502	−$10,598	$1,400
NAICS 111 Crop production NAICS 111	31	$39,715	$116,813	−$71,287	$993
NAICS 924 Administration of environmental quality programs NAICS 924	26	$56,128	$177,908	−$10,192	$1,403
NAICS 335 Electrical equipment, appliance, and component manufacturing NAICS 335	25	$52,114	$162,966	−$25,134	$1,303
NAICS 493 Warehousing and storage NAICS 493	18	$44,043	$132,923	−$55,177	$1,101
NAICS 999 Unclassified NAICS 999	11	$50,128	$155,574	−$32,526	$1,253
NAICS 928 National security and international affairs NAICS 928	7	$64,137	$207,720	+$19,620	$1,603

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	1,160	—	—	$13.00	$27,050	$69,670	$676
Childcare Workers SOC 39-9011	90	—	—	$13.13	$27,300	$70,600	$683
Cashiers SOC 41-2011	1,400	—	—	$13.83	$28,760	$76,035	$719
Retail Salespersons SOC 41-2031	1,800	—	—	$14.99	$31,190	$85,080	$780
Waiters and Waitresses SOC 35-3031	1,010	—	—	$15.89	$33,040	$91,967	$826
Janitors and Cleaners SOC 37-2011	520	—	—	$16.27	$33,840	$94,944	$846
Tellers SOC 43-3071	160	—	—	$17.79	$37,000	$106,707	$925
Home Health and Personal Care Aides SOC 31-1131	710	—	—	$18.31	$38,080	$110,727	$952
Office Clerks, General SOC 43-9061	740	—	—	$18.45	$38,370	$111,807	$959
Construction Laborers SOC 47-2061	590	—	—	$22.14	$46,050	$140,394	$1,151
Maintenance and Repair Workers, General SOC 49-9071	530	—	—	$23.32	$48,510	$149,551	$1,213
Paramedics SOC 29-2043	60	—	—	$25.49	$53,020	$166,339	$1,326
Carpenters SOC 47-2031	310	—	—	$26.12	$54,330	$171,215	$1,358
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	660	—	—	$26.47	$55,050	$173,895	$1,376
Police and Sheriff's Patrol Officers SOC 33-3051	160	—	—	$27.34	$56,870	$180,670	$1,422
Elementary School Teachers, Except Special Education SOC 25-2021	360	—	—	—	$58,330	$186,105	$1,458
Electricians SOC 47-2111	400	—	—	$32.65	$67,910	$221,765	$1,698
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	380	—	—	$36.29	$75,480	$249,943	$1,887
Registered Nurses SOC 29-1141	1,720	—	—	$40.41	$84,050	$281,843	$2,101

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: 21145 · pulled from Full Housing Data Table.xlsx.