Cost Of Living in Chaplin, KY

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12%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

32%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Chaplin	Kentucky	National
Cost of living	88	88	100
Groceries	98	98	100
Health care	95	97	100
Housing	68	70	100
Transportation	99	96	100
Utilities	99	95	100
Lifestyle & Entertainment	92	95	100
Household Items	95	97	100
Education & Childcare	101	94	100

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Homes For Sale In Chaplin, KY

8116 Lawrenceburg Rd

Chaplin, KY

205 Broadway

Chaplin, KY

460 Lawrenceburg Loop

Bloomfield, KY

Cost Of Living Quick Facts

The cost of living in Chaplin is equal to the Kentucky average
The cost of living in Chaplin is 12% lower than the national average
Chaplin housing is 32% 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

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$73,596	$6,133	$1,717	$2,208
Renters	$103,378	$8,615	$2,412	$3,102

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%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Fairfield, KY	191	79	21.3%
Springfield, KY	3,048	87	12.7%
Willisburg, KY	370	88	12.3%
Mackville, KY	252	88	12.3%
Bloomfield, KY	1,093	88	11.7%
Chaplin, KY	594	88	11.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Gurley, AL	594	85	14.5%
Graham, GA	594	81	19.0%
Junction City, IL	594	81	18.6%
Pleasant Hill, LA	594	82	18.0%
Melrose, NM	594	85	15.0%
Chaplin, KY	594	88	11.6%