Most Affordable Cities in Kentucky

Cost of living rankings for 85 cities in Kentucky with uncapped home, rent, and income estimates. On average, Kentucky is near the national average with a statewide average Cost Index of 91.

1 source baseline is past its update cadence — newer official vintage not reflected

Cheapest City

Middlesborough

Index: 69

Most Expensive

Crestwood

Index: 122

State Average

National: 100

Cities Ranked

eligible statewide total

Kentucky Affordability Ranking

Showing 1–50 of 85 eligible cities — 50 on this page. Page 1 of 2.

#	City	Index	Home Value	Rent	Income
1	Middlesborough	69	$99,900	$909	$31,106
2	Central City	71	$114,177	$909	$50,885
3	Williamsburg	71	$117,882	$909	$38,147
4	Hazard	71	$107,750	$1,010	$51,016
5	Ashland	74	$128,835	$1,006	$52,715
6	Pikeville	74	$124,005	$1,095	$39,955
7	Princeton	74	$143,586	$909	$47,411
8	Madisonville	76	$156,600	$959	$53,860
9	Leitchfield	76	$160,553	$909	$44,347
10	Monticello	76	$161,590	$909	$44,952
11	Mayfield	77	$163,165	$909	$40,965
12	Maysville	77	$161,420	$1,001	$39,013
13	Flatwoods	77	$153,991	$1,006	$59,972
14	Corbin	78	$170,311	$1,014	$51,065
15	Hopkinsville	79	$192,475	$1,047	$49,139
16	London	79	$181,751	$900	$47,591
17	Shively	80	$154,700	$1,276	$50,221
18	Russellville	80	$191,726	$913	$45,484
19	Morehead	80	$189,538	$953	$36,741
20	Henderson	82	$203,792	$968	$48,186
21	Paducah	82	$194,069	$1,153	$49,915
22	Radcliff	82	$212,236	$1,023	$58,559
23	Glasgow	83	$217,566	$875	$43,074
24	Campbellsville	83	$218,752	$909	$49,644
25	Owensboro	84	$214,021	$1,212	$56,357
26	Murray	84	$208,638	$1,088	$44,091
27	Somerset	84	$201,609	$1,183	$34,704
28	Oak Grove	84	$211,260	$1,193	$49,354
29	Lebanon	84	$232,008	$909	$45,479
30	Harrodsburg	86	$241,537	$909	$48,381
31	Mount Sterling	86	$217,856	$1,198	$55,827
32	Cynthiana	86	$245,572	$909	$54,647
33	Louisville/Jefferson County metro government (balance)	87	$233,900	$1,276	$66,849
34	Berea	87	$250,875	$923	$59,495
35	Hillview	87	$226,775	$1,276	$68,111
36	Frankfort	88	$250,122	$1,024	$53,073
37	Danville	89	$250,008	$1,143	$52,646
38	Bardstown	89	$261,850	$1,024	$51,381
39	Highland Heights	89	$207,498	$1,573	$53,275
40	Reidland	89	$228,000	$1,131	$99,423
41	Erlanger	90	$247,625	$1,265	$75,840
42	Covington	91	$219,450	$1,597	$61,166
43	Elizabethtown	91	$267,942	$1,299	$60,760
44	Jeffersontown	91	$250,700	$1,276	$81,506
45	Winchester	91	$253,754	$1,345	$54,378
46	Elsmere	91	$221,554	$1,628	$60,503
47	Franklin	92	$248,924	$1,448	$59,052
48	Bowling Green	93	$281,762	$1,252	$48,873
49	Lawrenceburg	93	$269,158	$1,271	$66,486
50	Paris	93	$266,298	$1,416	$55,839

2026 edition — based on ACS 2024, Zillow 2026-08, HUD FY2027, and BEA 2024 dated sources. The edition year is not the observation year.

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