Real Estate Agent Salary in Bowling Green, KY: Median $25,796 in 2026
Bowling Green (KY) · COL index 85 · Unemployment 3.5% · Metro pop 185,000 · Rank #250 of 283 for Real Estate Agent salary
A Real Estate Agent in Bowling Green earns an estimated median of $25,796 per year. That figure starts from the Kentucky state-level BLS Occupational Employment and Wage Statistics median[1]($27,280) and scales it by Bowling Green's composite cost-of-living index of 85 (US = 100). The 10th percentile comes in around $17,323; the 90th percentile reaches $37,370. After federal, Kentucky state, and FICA taxes, a single-filer Real Estate Agent takes home approximately $21,917/year — about $1,826/month or $843 every other week.
Compared to the national Real Estate Agent median of $54,300, Bowling Green pays -52.5%. Relative to the Bowling Green median household income of $48,500, a Real Estate Agentsalary runs -46.8%. Local unemployment is 3.5%[3], with an estimated 39 annual Real Estate Agent openings inferred from metro population share and national employment (467,200).
Real Estate Agent Snapshot — Bowling Green (2026)
Every row cites a primary public dataset. Rent + home values use Zillow where the metro is in the ZHVI/ZORI coverage set; otherwise ACS + census tract fallbacks.
| Metric | Bowling Green | National | Source |
|---|---|---|---|
| Real Estate Agent median salary | $25,796 | $54,300 | [1] |
| 10th percentile | $17,323 | $32,080 | [1] |
| 90th percentile | $37,370 | $159,220 | [1] |
| Annual take-home (single filer) | $21,917 | — | [8][10] |
| Median home value (ZHVI) | $265,771 | — | [5] |
| Median rent (ZORI) | $1,281/mo | — | [5] |
| HUD Fair Market Rent (2BR) | $1,175/mo | — | [6] |
| Median household income (ACS) | $62,437 | — | [7] |
| Cost-of-living index | 85.0 | 100.0 | [4] |
| Unemployment rate | 3.5% | — | [3] |
How Real Estate Agent Salaries Work in Bowling Green
City-level wages aren't published directly by BLS for most SOC codes. We build them by anchoring to the Kentucky state-level OEWS median ($27,280) and scaling by Bowling Green's composite cost-of-living index (85)[1][4]. That index combines Census ACS rent, Zillow ZHVI, BLS CPI, and AdvisorSmith / ApartmentAdvisor inputs to produce one number per metro. When BLS publishes a separate metro-level wage (MSA-level OEWS), that takes priority — a handful of large metros including New York, LA, Chicago, and DC have this coverage.
On top of the gross wage, the standard US payroll stack applies: federal income tax using 2025 IRS brackets and the $15,000 single standard deduction[8], FICA (Social Security 6.2% up to $176,100 wage base + Medicare 1.45%)[9], and Kentucky state income tax at a 3.5% effective rate ($901/yr on the $25,796 median)[10].
Bowling Green also sits inside a larger metro labor market where commute patterns, remote-work policies, and adjacent-metro wages compete. A tight labor market (unemployment below 4%) gives candidates pricing power in negotiations. Median household income in the metro is $62,437, which frames what "a good Real Estate Agent salary" means locally: a $$25,796 wage pays about 41% of the median household income on a single earner.
The deterministic identity: take_home = gross − federal − state − FICA − pre_tax. All math runs client-side; nothing is sent to our servers.
Real Estate Agent Salary & Cost-of-Living Context — Bowling Green
Buy vs rent in Bowling Green
Monthly PITI on the $265,771 median home in Bowling Green is ~$1,895/mo — vs a $1,281/mo median rent. Rent burden on median household income is 24.6%, which falls within the recommended 30% guideline for housing costs.
Cost of Living Breakdown — Bowling Green
Estimated annual expense shares on a $21,917 take-home, using BLS Consumer Expenditure Survey baseline shares scaled to Bowling Green's COL index of 85. Housing uses the actual median rent.
BLS Consumer Expenditure Survey shares[1], scaled by Bowling Green's COL index of 85[4]. Housing uses actual median rent of $900/month.
Salary vs Housing Affordability in Bowling Green
Renting
Buying
At $1,826/mo take-home, the 30% rent rule caps housing at $548/mo. Bowling Green's typical 1–2BR rent runs $1,281/mo[5] (HUD 2BR FMR: $1,175/mo), making rent cost-burdened on a median Real Estate Agent salary. For homebuyers, the 8.7× price-to-income ratio is stretched — expect DTI friction on FHA / conventional underwriting without a co-borrower.
How Bowling Green Stacks Up for Real Estate Agents
Against 283 major US cities: Bowling Green ranks #250 for nominal Real Estate Agent salary, #61 for rent affordability, and #38 for overall purchasing power. Bowling Green is mid-pack: solid nominal salaries partly absorbed by cost of living. Whether it "pays well" depends heavily on housing choices.
Nearby Cities — Real Estate Agent Salary Comparison
Bowling Green's closest metros, scaled by each city's cost-of-living index. Useful for relocation decisions where commute or remote-work policies allow a neighboring metro trade-off.
| City | Est. salary | COL | Rent | vs KY |
|---|---|---|---|---|
| Bowling Green, KY ★ | $25,796 | 85 | $900 | — |
| Louisville, KY | $47,241 | 87 | $895 | +83.1% |
| Lexington, KY | $48,870 | 90 | $925 | +89.4% |
| Scranton, PA | $46,155 | 85 | $1,000 | +78.9% |
| Columbus, GA | $46,155 | 85 | $900 | +78.9% |
| Cleveland, OH | $46,155 | 85 | $950 | +78.9% |
Real Estate Agent Job Market in Bowling Green
Bowling Green has an estimated 39 annual Real Estate Agentopenings, extrapolated from the metro's share of 467,200 national Real Estate Agents[1]. The 3.5% unemployment rate[3] signals a competitive labor market where skilled professionals can push for top-of-band offers.
About the profession: Real estate agents help clients buy, sell, and rent properties. Most are self-employed and earn commission-based income, making tax planning and deductions critical. Typical entry requirement: high school diploma plus license. Projected growth through 2034: 3%[2].
Career Progression & Related Professions in Bowling Green
Early-career Real Estate Agents in Bowling Green start around $17,323, reach the city median ($25,796) after 4–8 years, and hit 90th-percentile territory ($37,370) at senior / specialized levels.
Related service professions in Bowling Green
Calculators for Real Estate Agents in Bowling Green
Other professions in Bowling Green
Frequently Asked Questions — Real Estate Agent in Bowling Green
How much does a Real Estate Agent make in Bowling Green, KY?
The estimated median salary for a Real Estate Agent in Bowling Green is $25,796/year, scaled from the BLS OEWS Kentucky state median ($27,280) by Bowling Green's composite cost-of-living index of 85 (US = 100). After federal, Kentucky state, and FICA taxes, take-home is approximately $21,917/year or $1,826/month.
Can a Real Estate Agent afford to live in Bowling Green?
On $1,826/month take-home, the 30% rent rule affords $548/month. Bowling Green's Zillow ZORI median rent is $1,281/mo, HUD's 2BR Fair Market Rent is $1,175/mo. The rent-to-income ratio works out to 41.9%, making housing cost-burdened for a Real Estate Agent at the local median. Home-buyers face 8.7× price-to-income, needing roughly 8.7 years to save a 20% down payment at a 20% savings rate.
How much tax does a Real Estate Agent pay in Bowling Green?
On $25,796 gross, a Real Estate Agent in Bowling Green pays approximately $1,005 in federal income tax (3.9% effective), $901 in Kentucky state income tax (3.5% effective), and $1,973 in FICA (Social Security + Medicare). Total effective rate: 15.0%. Some Kentucky cities levy local income taxes in addition; check your municipal DoR before filing.
How does Bowling Green rank for Real Estate Agent salaries vs other cities?
Bowling Green ranks #250 out of 283 tracked metros for nominal Real Estate Agent salary, #61 for rent affordability (rent-to-income), and #38 for purchasing power (salary ÷ COL). The high-purchasing-power cities tend to be mid-size metros with strong local employers and moderate housing costs; the low-ranked cities trade high nominal pay for steep rents.
What is the cost-of-living breakdown for a Real Estate Agent in Bowling Green?
On $21,917 take-home, a reasonable baseline budget for Bowling Green looks like: housing $10,800/yr (49.3%); food $2,393/yr; transportation $2,060/yr; healthcare $1,465/yr; utilities $1,014/yr; savings + discretionary $4,185/yr. Numbers use BLS Consumer Expenditure Survey shares scaled to Bowling Green's COL index of 85 and the city's actual median rent.
What's the Real Estate Agent job market like in Bowling Green?
Bowling Green's unemployment rate is 3.5% across the metro of 185,000. Estimated annual Real Estate Agent openings: ~39 (extrapolated from 467,200 nationally employed and the metro's population share). The tight labor market favors candidates in salary negotiations.
Do Bowling Green employers pay above or below the Kentucky median for Real Estate Agents?
Not consistently — Bowling Green's estimated Real Estate Agent median of $25,796 is 52.5% below the national median. The trade-off is usually lower rents and (in some cases) lower state taxes, which can leave real purchasing power competitive.
Methodology — How we compute this page
Wage estimate. The Bowling Green median is derived from the Kentucky state-level BLS OEWS median ($27,280), scaled by Bowling Green's composite cost-of-living index of 85. When BLS publishes a direct MSA-level wage for the occupation, that takes priority over the scaled state median. Percentile bands inherit the same scale factor.
Housing + rent. Median home value uses Zillow ZHVI; median rent prefers Zillow ZORI and falls back to Census ACS median gross rent. HUD Fair Market Rents (50th-percentile 2BR) are shown where HUD publishes the metro. Price-to-income and rent-to-income ratios use the estimated Real Estate Agentmedian (not the city's overall median household income) — to reflect the specific role-vs-city affordability picture.
Tax math. Federal tax uses 2025 IRS brackets and the $15,000 single standard deduction. FICA is Social Security 6.2% up to the $176,100 wage base + Medicare 1.45% (+ 0.9% Additional Medicare above $200,000). State tax uses Kentucky's 2026 brackets from the state DoR (mirrored via Tax Foundation where the DoR's publication is paywalled or split). Local income taxes (e.g. NYC, Portland-OR supplemental, OH municipal) are NOT included — check your municipal authority for specifics.
Cost of living. The 85index is the composite used by CalcFi's /data/cities.ts, which merges Census ACS, BLS CPI shelter, Zillow ZORI, and commercial COL estimators. The COL-adjusted salary on this page assumes the statewide RPP = 89.9(BEA) approximates the state's purchasing power; cities are then scaled relative to that.
Refresh cadence. BLS OEWS releases annually (typically March); BEA RPP releases annually in December; IRS brackets adjust in October; Zillow ZHVI/ZORI updates monthly; HUD FMR publishes annually in August for the upcoming fiscal year. The dateModified shown above auto-bumps to the most recent retrievedAt on any sourced value the page consumes.
Known limits. Metro-level OEWS coverage is partial — only ~50 large MSAs have separately published occupation wages; the rest inherit state-level estimates scaled by COL. Rent and home data may trail the real-time market by 1–3 months (Zillow) or 8–12 months (ACS). Rankings are capped to the city set in our dataset (283 metros), not every incorporated US city.
Sources
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped on the next ISR refresh after an ETL run).
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-04-19.
- BLS Local Area Unemployment Statistics — metro-level unemployment rate — www.bls.gov/lau. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities (state + metro) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- Zillow Research — ZHVI (home value index) + ZORI (observed rent index) — www.zillow.com/research/data. Retrieved 2026-04-19.
- HUD Fair Market Rents — 50th-percentile 2-bedroom FY — www.huduser.gov/portal/datasets/fmr.html. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates, metro level — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-04-19.
- Kentucky Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
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