Research / Most affordable ZIP codes
Most affordable ZIP codes in Kentucky
Ranked by the SkaldMaps Cost of Living Index, lowest first. 100 is about the national level; lower values indicate lower estimated costs.
How we rank lowest cost of living
The Cost of Living Index combines the local cost of everyday goods and services with the estimated cost of owning a typical listed home, including mortgage payments, property taxes, insurance, and maintenance. These measures are combined and compared with a national baseline.
100 is about the national level. Below 100, a homebuyer's money goes further; above 100, it goes less far.
It reflects homes for sale today, not what current owners pay, so it needs listing data: ZIPs without enough listings are not ranked. It does not include income, so a low index does not mean local wages cover local costs.
Only ZIPs with at least 1,000 residents are ranked, so a handful of households cannot top the list. 308 Kentucky ZIPs qualify.
Kentucky ZIP codes ranked by lowest cost of living
1ZIP 42410Earlington
Kentucky
- Cost of living index
- 60.1
- ZIP population
- ~1k
- Avg. temperature
- 59°F
- Avg. commute
- 17 min
2ZIP 42372Calhoun
Kentucky
- Cost of living index
- 64.6
- ZIP population
- ~1k
- Avg. temperature
- 58°F
- Avg. commute
- 34 min
3ZIP 42088Wingo
Kentucky
- Cost of living index
- 66.4
- ZIP population
- ~2k
- Avg. temperature
- 60°F
- Avg. commute
- 32 min
4ZIP 42056La Center
Kentucky
- Cost of living index
- 67.3
- ZIP population
- ~1k
- Avg. temperature
- 59°F
- Avg. commute
- 27 min
5ZIP 40211Louisville
Kentucky
- Cost of living index
- 68.4
- ZIP population
- ~20k
- Avg. temperature
- 58°F
- Avg. commute
- 24 min
6ZIP 40212Louisville
Kentucky
- Cost of living index
- 68.4
- ZIP population
- ~15k
- Avg. temperature
- 59°F
- Avg. commute
- 23 min
| Rank | ZIP | City | County | Cost of living index |
|---|---|---|---|---|
| #7 | 40210 | Louisville | Jefferson County | 68.6 |
| #8 | 42024 | Barlow | Ballard County | 68.8 |
| #9 | 41101 | Ashland | Boyd County | 69.3 |
| #10 | 42049 | Hazel | Calloway County | 69.4 |
| #11 | 42078 | Salem | Livingston County | 69.6 |
| #12 | 40935 | Barbourville | Knox County | 70.8 |
| #13 | 42350 | Island | Mclean County | 71.4 |
| #14 | 40972 | Oneida | Clay County | 71.5 |
| #15 | 41230 | Louisa | Lawrence County | 71.5 |
| #16 | 40472 | Irvine | Estill County | 71.7 |
| #17 | 40387 | Frenchburg | Menifee County | 72.4 |
| #18 | 40965 | Middlesboro | Bell County | 72.8 |
| #19 | 41701 | Hazard | Perry County | 73.0 |
| #20 | 42058 | Ledbetter | Livingston County | 73.0 |
| #21 | 42445 | Princeton | Caldwell County | 73.2 |
| #22 | 41164 | Olive Hill | Carter County | 73.3 |
| #23 | 42003 | Paducah | Mccracken County | 73.3 |
| #24 | 40215 | Louisville | Jefferson County | 73.4 |
| #25 | 41139 | Flatwoods | Greenup County | 73.7 |
Rank Kentucky by your own priorities
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More Kentucky research
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Ranked by school quality index
- Kentucky median ZIP
- 43.8
- Middle 80% of ZIPs
- 36.0 to 54.0
ZIP codes with the shortest commutes
Ranked by mean commute
- Kentucky median ZIP
- 25.9 min
- Middle 80% of ZIPs
- 19.5 min to 35.1 min
Best healthcare access
Ranked by healthcare access score
- Kentucky median ZIP
- 91.6
- Middle 80% of ZIPs
- 85.7 to 98.2
Best broadband coverage
Ranked by households with broadband
- Kentucky median ZIP
- 86.6%
- Middle 80% of ZIPs
- 77.4% to 94.3%
Warmest ZIP codes
Ranked by avg. temperature
- Kentucky median ZIP
- 56.7°F
- Middle 80% of ZIPs
- 55.0°F to 59.2°F