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Bell County, Kentucky Demographics 2026

Bell County, Kentucky has a population of 23,509, the 50th most populous county in Kentucky. The median household income is $31,354 and the median home value is $89,000. The poverty rate is 28.8%.

Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes

Bell County Quick Facts

Population 23,509
Median Household Income $31,354
Median Home Value $89,000
Poverty Rate 28.8%
Unemployment Rate 10.1%
Median Age 41.7 years
Homeownership Rate 58.8%
Affordability Ratio 2.8x
Bachelor's Degree+ 15.8%
High School Graduation 79.8%
Cities/Places 3
Population 23,509 50th of 120
Median Income $31,354 51% lower than state
Poverty Rate 28.8%
Unemployment 10.1%

How Bell County Changed

Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.

Metric2019–20232020–2024Change
Population23,87823,509-1.5%
Median household income$32,403$31,354-3.2%
Median home value$83,000$89,000+7.2%

Economy & Housing

Household Income Distribution

Under $25K 40.5%
$25K-$50K 24.1%
$50K-$100K 23.4%
$100K+ 12.0%
Detailed income brackets
Under $10K
13.9%
$10K-$15K
11.5%
$15K-$20K
7.1%
$20K-$25K
7.9%
$25K-$30K
7.8%
$30K-$35K
4.7%
$35K-$40K
3.4%
$40K-$45K
5.1%
$45K-$50K
3.2%
$50K-$60K
6.2%
$60K-$75K
9.1%
$75K-$100K
8.1%
$100K-$125K
4.5%
$125K-$150K
3.1%
$150K-$200K
2.4%
$200K+
2.0%

Employment

10.1% Unemployment Rate State: 4.9%|National: 5.2%
42.4% Labor Force Participation

Housing Overview

Owner 58.8%
Renter 41.2%
Affordability Index Very Affordable
2.8x home value to income ratio
Median gross rent $592/mo 22.7% of median household income annually

People & Demographics

Diversity Index

14out of 100
Very Low Diversity

A less diverse community where one racial or ethnic group represents a large majority.

State average: 33 | National average: 61

Education

Cities & Places in Bell County

CityPopulationMedian IncomePovertyHome Value
Middlesborough9,123$31,10631.0%$99,900
Pineville2,064$24,54734.0%$98,700
Arjay56N/A64.3%N/A

Population Overview

Bell County is located in Kentucky with a total population of 23,509. It is the 50th most populous county out of 120 in Kentucky. The county encompasses 3 Census-designated places.

Age Demographics

The median age in Bell County is 41.7 years. This is 7% higher than the state median of 39.1 years.

Economy, Income & Housing

The median household income in Bell County is $31,354. This is 51% lower than the state median of $63,726. It is also 61% lower than the national median of $80,734. The poverty rate stands at 28.8%. This is 79% higher than the state poverty rate of 16.1%. With more than one in five residents living below the poverty line, economic hardship is a significant challenge for the community. The unemployment rate is 10.1%. This is 108% higher than the state rate of 4.9%. The median home value is $89,000. Housing costs are 57% lower than the state median of $205,600. With a home-value-to-income ratio of just 2.8x, Bell County is one of the most affordable housing markets in the area. 58.8% of occupied housing units are owner-occupied. This homeownership rate is 14% lower than the state average of 68.3%.

Race & Ethnicity

Bell County has a predominantly White (non-Hispanic) population, comprising 92.6% of all residents. Black or African American residents account for 3.0%. The Black or African American population (3.0%) is well below the state average of 7.5%. The Hispanic or Latino population (0.5%) is well below the state average of 5.0%. The Asian population (0.3%) is well below the state average of 1.6%.

Education

15.8% of residents aged 25 and older hold a bachelor's degree or higher. This is 43% lower than the state rate of 27.6%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 79.8%.

Data Sources & Methodology

All figures for Bell County come from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates, with comparisons drawn against Kentucky and national averages from the same dataset. See our methodology page for how each metric is defined, or data.census.gov for official tables with margins of error.

Frequently Asked Questions

What is the population of Bell County, Kentucky?

Bell County has a population of 23,509, making it the 50th most populous county in Kentucky.

What is the median income in Bell County?

The median household income in Bell County is $31,354 with a poverty rate of 28.8%.

How many cities are in Bell County, Kentucky?

Bell County contains 3 Census-designated places.