The above illustration supplies generalized information for the Ludlow, KY cost of living index. Compared to other cities in Kentucky and cities across the country, the cost of living index in Ludlow, KY is 88, which is 1% higher than the Kentucky average and 12% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Ludlow, KY are 3% higher than the average for Kentucky and equal to the rest of the country.