3-Bedroom Apartment Rent in Independence, KY
Median asking rent for a 3-bedroom apartment in Independence, Kentucky as of July 2026. That's +7% lower than the citywide median of $2,143 and +7% below the national 3-bedroom median of $2,130.
Income needed for a 3-bedroom in Independence
Using the standard 30% rent-to-income guideline (the threshold above which households are considered rent-burdened), here's what you need to earn to comfortably afford a 3-bedroom at the current median rent.
Rent by apartment size in Independence
Compare Independence's median rent across every apartment size.
Cheapest cities for a 3-bedroom in Kentucky
| # | City | 3-Bedroom rent |
|---|---|---|
| 1 | Corbin | $1,100 |
| 2 | Morehead | $1,110 |
| 3 | Russellville | $1,210 |
| 4 | Bardstown | $1,270 |
| 5 | Paducah | $1,270 |
| 6 | Murray | $1,300 |
| 7 | Richmond | $1,330 |
| 8 | Lawrenceburg | $1,370 |
| 9 | Radcliff | $1,420 |
| 10 | Bowling Green | $1,433 |
| 11 | Nicholasville | $1,440 |
| 12 | Paris | $1,440 |
| 13 | Versailles | $1,440 |
| 14 | Winchester | $1,440 |
| 15 | Owensboro | $1,530 |
Most expensive cities for a 3-bedroom in Kentucky
| # | City | 3-Bedroom rent |
|---|---|---|
| 1 | Prospect | $2,580 |
| 2 | Hebron | $2,210 |
| 3 | Burlington | $2,100 |
| 4 | Independence (this page) | $1,990 |
| 5 | Florence | $1,900 |
| 6 | Vine Grove | $1,870 |
| 7 | Louisville | $1,818 |
| 8 | Cold Spring | $1,760 |
| 9 | Erlanger | $1,720 |
| 10 | Lexington | $1,713 |
| 11 | Fort Thomas | $1,710 |
| 12 | Alexandria | $1,700 |
| 13 | Oak Grove | $1,680 |
| 14 | Elizabethtown | $1,600 |
| 15 | Fort Wright | $1,598 |
Nearby cities — 3-bedroom rent
Considering nearby alternatives? 5 of these cities have cheaper 3-bedroom rents than Independence.
| City | Distance | 3-Bedroom rent | vs Independence |
|---|---|---|---|
| Erlanger, KY | 6.6 mi | $1,720 | $-270 (-14%) |
| Fort Wright, KY | 8.1 mi | $1,598 | $-392 (-20%) |
| Florence, KY | 8.3 mi | $1,900 | $-90 (-5%) |
| Cold Spring, KY | 8.5 mi | $1,760 | $-230 (-12%) |
| Covington, KY | 9.3 mi | $1,590 | $-400 (-20%) |
| Alexandria, KY | 10.2 mi | $1,700 | $-290 (-15%) |
| Newport, KY | 10.4 mi | $1,540 | $-450 (-23%) |
| Fort Thomas, KY | 12.1 mi | $1,710 | $-280 (-14%) |
| Dayton, KY | 13.5 mi | $1,580 | $-410 (-21%) |
| Burlington, KY | 15.3 mi | $2,100 | +$110 (+6%) |
| Cincinnati, OH | 15.3 mi | $1,702 | $-288 (-14%) |
| Hebron, KY | 15.6 mi | $2,210 | +$220 (+11%) |
3-Bedroom rent in Independence — common questions
How much is a 3-bedroom apartment in Independence?
As of July 2026, the median 3-bedroom apartment rent in Independence, Kentucky is $1,990 per month. This is +7% below the citywide median of $2,143.
What income do you need to afford a 3-bedroom in Independence?
Using the standard 30% rent-to-income rule, you would need an annual income of about $79,600 ($6,633/month gross), which works out to roughly $38.27/hour at a full-time job.
Is Independence expensive for a 3-bedroom compared to the rest of the US?
Independence's 3-bedroom median of $1,990 is +7% below the national 3-bedroom median of $2,130. It ranks in the 43th percentile of US cities tracked.
How does Independence rank for 3-bedroom rent in Kentucky?
Among the 38 cities in Kentucky with 3-bedroom data, Independence ranks #35 from cheapest to most expensive.
Are there cheaper 3-bedroom options near Independence?
Yes — nearby cities with cheaper 3-bedroom rents include Erlanger ($1,720), Fort Wright ($1,598), Florence ($1,900).