Cost of Living in Ludlow, KY

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A+
9%
Overall NAT. AVG.
0%
Goods & Services NAT. AVG.
31%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Ludlow Kentucky National
Cost of living9190100
Goods & Services100102100
Groceries101100100
Health care10493100
Housing6970100
Transportation9996100
Utilities9988100
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Homes For Sale In Ludlow, KY

property for sale

454 Elm St

Ludlow, KY
property for sale

459 Southwind Ln

Ludlow, KY
property for sale

383 Southwind Ln

Ludlow, KY
property for sale

572 Station Dr Unit 41-300

Ludlow, KY
See the Newest Homes For Sale In Ludlow, KY

Cost Of Living Quick Facts

  • The cost of living in Ludlow is 1% higher than the Kentucky average
  • The cost of living in Ludlow is 9% lower than the national average
  • Ludlow housing is 31% lower than the national average
  • Kentucky general sales tax is 18% higher than the national average
  • Kentucky state income tax is 73% higher than the national average

Most Affordable Places to Live in and Around Ludlow

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Compare Ludlow, KY Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$94,768$7,897$2,211$2,843
      Renters$37,444$3,120$874$1,123
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ludlow, KY, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Ludlow, homeowners have a median income of $94,768. Using that number, a maximum of $2,211 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $37,444, which means there is a maximum of $874 to be spent on the costs of renting a home or apartment.

      Kentucky Sales Tax

      State General Sales Tax With Max Surtax
      Kentucky 6% 6%

      Kentucky Income Tax

      State Income Tax (Low) Income Tax (High)
      Kentucky 4.5% 4.5%

      Goods & Services

      Item Ludlow National avg. Difference
      Haircut $28.87$27.624.5%
      Beauty Salon $47.77$51.116.5%
      Toothpaste $4.18$4.092.1%
      Shampoo $1.42$1.547.9%
      Movie $13.48$12.884.7%
      Yoga $18.20$19.667.4%

      Groceries

      Item Ludlow National avg. Difference
      Ground Beef $7.77$7.700.8%
      Fried Chicken $1.77$1.666.5%
      Milk $4.74$4.730.1%
      Potatoes $5.42$5.263.1%
      Pizza $12.33$12.763.4%
      Beer $10.40$10.551.4%

      Health Care

      Item Ludlow National avg. Difference
      Optometrist $96.17$140.0631.3%
      Doctor $189.00$153.8222.9%
      Dentist $102.40$123.1516.8%
      Ibuprofen $11.68$11.730.4%
      Lipitor $28.71$23.6121.6%

      Housing

      Item Ludlow National avg. Difference
      Home Price $214,329.00$326,622.0034.4%
      Avg. Mortgage Payment $2,078.25$2,480.2516.2%
      Apartment Rent $1,092.00$1,444.0024.4%

      Transportation

      Item Ludlow National avg. Difference
      Gasoline $3.05$3.060.1%
      Tire Balancing $64.00$65.211.9%

      Utilities

      Item Ludlow National avg. Difference
      All Electricity $220.47$220.120.2%
      Phone $191.39$195.712.2%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Plainville, OH1591000.1%
      Shawnee, OH1,0811000.1%
      Elizabethtown, OH2957921.4%
      Hooven, OH3368020.2%
      Shawnee village, OH5638218.3%
      Ludlow, KY4,677919.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bridgeport, PA4,67611212.1%
      Portola Valley, CA4,678351250.7%
      Piney, AR4,6798910.8%
      Staunton, IL4,6798415.8%
      Lorane, PA4,67411211.6%
      Ludlow, KY4,677919.3%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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