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 51–85 of 85 eligible cities — 35 on this page. Page 2 of 2.

#	City	Index	Home Value	Rent	Income
51	Dayton	93	$203,688	$1,951	$65,992
52	Bellevue	93	$244,409	$1,482	$71,166
53	Newport	94	$247,838	$1,566	$60,853
54	Lyndon	94	$276,800	$1,276	$65,679
55	Oakbrook	94	$260,700	$1,442	$94,652
56	Richmond	96	$301,436	$1,145	$50,870
57	Taylor Mill	96	$278,967	$1,442	$88,546
58	Vine Grove	96	$261,566	$1,780	$72,560
59	Lexington-Fayette urban county	97	$293,500	$1,416	$69,479
60	Florence	98	$287,459	$1,537	$71,003
61	Mount Washington	98	$326,828	$1,276	$96,239
62	Cold Spring	98	$303,870	$1,413	$75,000
63	Shelbyville	99	$308,434	$1,544	$75,610
64	Shepherdsville	99	$289,112	$1,765	$71,476
65	Wilmore	99	$319,900	$1,416	$77,665
66	Nicholasville	100	$326,642	$1,484	$68,503
67	St. Matthews	101	$338,000	$1,276	$82,412
68	Middletown	101	$336,000	$1,276	$82,537
69	Douglass Hills	102	$346,300	$1,276	$78,482
70	Georgetown	103	$341,864	$1,567	$80,088
71	Alexandria	103	$345,924	$1,421	$102,239
72	Versailles	105	$359,153	$1,619	$62,368
73	Fort Wright	105	$341,888	$1,636	$105,024
74	Fort Thomas	106	$377,281	$1,343	$104,350
75	Edgewood	107	$373,851	$1,442	$119,028
76	Walton	107	$354,750	$1,650	$77,917
77	Independence	108	$328,011	$2,040	$102,361
78	Burlington	109	$327,821	$2,078	$109,308
79	Francisville	109	$398,000	$1,442	$159,371
80	Fort Mitchell	110	$421,635	$1,245	$86,310
81	Villa Hills	111	$406,696	$1,442	$107,859
82	Hebron	111	$385,053	$1,721	$106,719
83	La Grange	114	$398,854	$1,963	$88,464
84	Union	117	$463,506	$1,442	$136,712
85	Crestwood	122	$489,356	$1,796	$108,046

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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