Cost Of Living in Fairfield, KY

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21%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

64%

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	Fairfield	Kentucky	National
Cost of living	79	88	100
Groceries	98	98	100
Health care	95	97	100
Housing	36	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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Cost Of Living Quick Facts

The cost of living in Fairfield is 11% lower than the Kentucky average
The cost of living in Fairfield is 21% lower than the national average
Fairfield housing is 64% 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	$112,880	$9,407	$2,634	$3,387
Renters	$0	$0	$0	$0

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.
Willisburg, KY	370	88	12.3%
Bloomfield, KY	1,093	88	11.7%
Chaplin, KY	594	88	11.6%
Bardstown, KY	13,551	90	9.5%
Taylorsville, KY	1,727	95	4.5%
Fairfield, KY	191	79	21.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Coffee Creek, CA	191	131	31.5%
Dinosaur, CO	191	91	8.8%
Henlopen Acres, DE	191	397	297.4%
Washta, IA	191	77	23.3%
Schneider, IN	191	87	12.7%
Fairfield, KY	191	79	21.3%