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 84.

Data Updated: March 2026

Cheapest City

Middlesborough

Index: 65

Most Expensive

Union

Index: 119

State Average

National: 100

Cities Ranked

with complete data

All 84 Cities in Kentucky — By Affordability

#	City	Index	Home Value	Rent	Income
1	Middlesborough	65	$88,700	$670	$34,349
2	Princeton	66	$89,700	$719	$51,875
3	Mayfield	68	$114,400	$598	$41,458
4	Williamsburg	68	$108,800	$685	$32,431
5	Monticello	69	$125,800	$679	$37,733
6	Lebanon	70	$130,100	$702	$39,483
7	Hopkinsville	71	$140,200	$869	$47,428
8	Flatwoods	71	$112,200	$923	$60,467
9	Ashland	72	$125,300	$859	$52,199
10	Leitchfield	72	$156,700	$588	$47,168
11	Central City	72	$140,700	$755	$49,025
12	Hazard	72	$146,100	$718	$68,582
13	Shively	73	$139,200	$847	$46,522
14	Harrodsburg	73	$145,100	$738	$46,821
15	Maysville	73	$152,100	$700	$41,923
16	Russellville	73	$156,000	$711	$47,875
17	Paducah	74	$164,600	$817	$51,243
18	Glasgow	74	$147,700	$836	$42,417
19	Campbellsville	74	$162,900	$657	$49,389
20	London	74	$155,500	$783	$45,850
21	Cynthiana	74	$154,700	$763	$49,817
22	Owensboro	75	$162,900	$900	$53,295
23	Madisonville	75	$152,300	$860	$56,902
24	Corbin	75	$172,785	$686	$51,795
25	Mount Sterling	75	$178,200	$564	$50,843
26	Winchester	76	$180,400	$867	$57,653
27	Oak Grove	76	$143,500	$1,208	$47,886
28	Morehead	77	$176,300	$791	$35,000
29	Frankfort	78	$171,600	$935	$54,438
30	Henderson	78	$194,356	$788	$47,176
31	Somerset	79	$189,328	$830	$32,910
32	Lawrenceburg	79	$185,400	$901	$63,690
33	Franklin	79	$170,400	$1,034	$55,552
34	Murray	80	$195,859	$835	$40,348
35	Bardstown	80	$190,800	$917	$49,781
36	Wilmore	80	$210,700	$855	$64,245
37	Radcliff	81	$207,414	$965	$60,976
38	Hillview	81	$180,300	$1,314	$65,732
39	Bellevue	81	$186,200	$1,124	$67,143
40	Richmond	82	$205,900	$860	$48,223
41	Dayton	82	$195,123	$1,086	$62,500
42	Covington	83	$215,309	$949	$58,814
43	Louisville/Jefferson County metro government (balance)	84	$221,500	$1,069	$64,731
44	Florence	84	$196,200	$1,199	$68,508
45	Danville	84	$243,756	$767	$53,370
46	Paris	84	$254,048	$728	$49,464
47	Highland Heights	84	$204,998	$1,101	$52,437
48	Shelbyville	85	$238,600	$979	$73,733
49	Berea	85	$245,670	$806	$56,484
50	Elizabethtown	86	$265,179	$876	$56,250
51	Newport	86	$239,910	$994	$58,422
52	Vine Grove	86	$213,500	$1,344	$74,786
53	Georgetown	87	$244,200	$1,199	$78,373
54	Erlanger	87	$244,472	$981	$78,420
55	Elsmere	87	$218,730	$1,303	$61,427
56	Versailles	88	$257,600	$1,051	$58,834
57	Jeffersontown	89	$236,800	$1,253	$78,185
58	Shepherdsville	89	$283,014	$898	$71,250
59	Bowling Green	90	$284,533	$948	$48,419
60	Burlington	90	$229,700	$1,442	$101,550
61	La Grange	90	$268,000	$1,192	$86,222
62	Lexington-Fayette urban county	91	$272,100	$1,101	$67,631
63	Taylor Mill	91	$270,662	$1,078	$83,210
64	Lyndon	92	$273,300	$1,196	$65,392
65	Oakbrook	92	$250,900	$1,414	$90,147
66	Pikeville	92	$301,300	$840	$39,216
67	Nicholasville	94	$318,658	$996	$67,514
68	Mount Washington	94	$323,310	$919	$93,852
69	Fort Thomas	94	$301,400	$1,095	$100,819
70	Cold Spring	95	$297,110	$1,185	$80,172
71	Independence	98	$320,247	$1,204	$98,653
72	Alexandria	98	$334,940	$1,062	$103,750
73	Middletown	98	$298,900	$1,423	$74,129
74	Fort Wright	98	$328,119	$1,094	$100,647
75	St. Matthews	99	$325,700	$1,253	$80,716
76	Edgewood	99	$353,127	$991	$121,045
77	Walton	99	$347,989	$1,021	$76,375
78	Douglass Hills	99	$331,500	$1,164	$92,826
79	Francisville	104	$374,100	$1,246	$146,280
80	Fort Mitchell	104	$390,139	$987	$80,814
81	Villa Hills	105	$387,348	$1,144	$108,750
82	Hebron	107	$376,164	$1,402	$101,980
83	Crestwood	113	$471,450	$1,100	$101,086
84	Union	119	$454,255	$1,721	$139,013

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