Most Affordable Cities in Kentucky

Cost of living rankings for 84 cities in Kentucky. On average, Kentucky is affordable with a statewide average Cost Index of 55.

Data Updated: March 2026

Cheapest City

Middlesborough

Index: 31

Most Expensive

Union

Index: 100

State Average

National: 100

Cities Ranked

with complete data

All 84 Cities in Kentucky — By Affordability

#	City	Index	Home Value	Rent	Income
1	Middlesborough	31	$88,700	$670	$34,349
2	Mayfield	32	$114,400	$598	$41,458
3	Princeton	32	$89,700	$719	$51,875
4	Williamsburg	34	$108,800	$685	$32,431
5	Monticello	35	$125,800	$679	$37,733
6	Lebanon	37	$130,100	$702	$39,483
7	Leitchfield	38	$156,700	$588	$47,168
8	Campbellsville	40	$162,900	$657	$49,389
9	Harrodsburg	40	$145,100	$738	$46,821
10	Maysville	40	$152,100	$700	$41,923
11	Mount Sterling	40	$178,200	$564	$50,843
12	Central City	40	$140,700	$755	$49,025
13	Hazard	40	$146,100	$718	$68,582
14	Ashland	41	$125,300	$859	$52,199
15	Corbin	41	$162,600	$686	$51,795
16	Flatwoods	41	$112,200	$923	$60,467
17	Russellville	41	$156,000	$711	$47,875
18	Henderson	42	$151,400	$788	$47,176
19	Shively	42	$139,200	$847	$46,522
20	Somerset	42	$140,900	$830	$32,910
21	London	42	$155,500	$783	$45,850
22	Cynthiana	42	$154,700	$763	$49,817
23	Hopkinsville	43	$140,200	$869	$47,428
24	Glasgow	44	$147,700	$836	$42,417
25	Paducah	45	$164,600	$817	$51,243
26	Madisonville	45	$152,300	$860	$56,902
27	Paris	45	$182,100	$728	$49,464
28	Morehead	46	$176,300	$791	$35,000
29	Owensboro	47	$162,900	$900	$53,295
30	Berea	47	$178,000	$806	$56,484
31	Winchester	48	$180,400	$867	$57,653
32	Danville	48	$202,200	$767	$53,370
33	Covington	49	$167,900	$949	$58,814
34	Frankfort	49	$171,600	$935	$54,438
35	Radcliff	49	$163,300	$965	$60,976
36	Murray	49	$193,300	$835	$40,348
37	Lawrenceburg	50	$185,400	$901	$63,690
38	Dayton	50	$144,100	$1,086	$62,500
39	Richmond	51	$205,900	$860	$48,223
40	Bardstown	51	$190,800	$917	$49,781
41	Highland Heights	51	$148,600	$1,101	$52,437
42	Shepherdsville	52	$202,300	$898	$71,250
43	Franklin	52	$170,400	$1,034	$55,552
44	Wilmore	52	$210,700	$855	$64,245
45	Erlanger	53	$189,400	$981	$78,420
46	Oak Grove	53	$143,500	$1,208	$47,886
47	Elizabethtown	54	$223,200	$876	$56,250
48	Nicholasville	56	$210,700	$996	$67,514
49	Bowling Green	57	$232,100	$948	$48,419
50	Bellevue	57	$186,200	$1,124	$67,143
51	Newport	58	$221,100	$994	$58,422
52	Elsmere	58	$157,200	$1,303	$61,427
53	Mount Washington	59	$253,700	$919	$93,852
54	Shelbyville	59	$238,600	$979	$73,733
55	Walton	59	$226,200	$1,021	$76,375
56	Louisville/Jefferson County metro government (balance)	60	$221,500	$1,069	$64,731
57	Florence	60	$196,200	$1,199	$68,508
58	Hillview	61	$180,300	$1,314	$65,732
59	Taylor Mill	61	$224,500	$1,078	$83,210
60	Alexandria	64	$253,400	$1,062	$103,750
61	Versailles	64	$257,600	$1,051	$58,834
62	Pikeville	64	$301,300	$840	$39,216
63	Cold Spring	65	$235,200	$1,185	$80,172
64	Georgetown	66	$244,200	$1,199	$78,373
65	Independence	66	$240,500	$1,204	$98,653
66	Vine Grove	66	$213,500	$1,344	$74,786
67	Lexington-Fayette urban county	67	$272,100	$1,101	$67,631
68	Jeffersontown	67	$236,800	$1,253	$78,185
69	Edgewood	67	$289,700	$991	$121,045
70	La Grange	69	$268,000	$1,192	$86,222
71	Hebron	69	$216,400	$1,402	$101,980
72	Lyndon	70	$273,300	$1,196	$65,392
73	Burlington	71	$229,700	$1,442	$101,550
74	Fort Thomas	71	$301,400	$1,095	$100,819
75	Fort Wright	72	$305,500	$1,094	$100,647
76	Crestwood	73	$315,100	$1,100	$101,086
77	Oakbrook	74	$250,900	$1,414	$90,147
78	Fort Mitchell	75	$354,700	$987	$80,814
79	Douglass Hills	77	$331,500	$1,164	$92,826
80	Villa Hills	78	$339,800	$1,144	$108,750
81	St. Matthews	79	$325,700	$1,253	$80,716
82	Middletown	80	$298,900	$1,423	$74,129
83	Francisville	85	$374,100	$1,246	$146,280
84	Union	100	$382,900	$1,721	$139,013

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