Cost Of Living in Farmers, KY

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4%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

100%

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	Farmers	Kentucky	National
Cost of living	96	88	100
Groceries	96	98	100
Health care	97	97	100
Housing	n/a	70	100
Transportation	98	96	100
Utilities	96	95	100
Lifestyle & Entertainment	93	95	100
Household Items	95	97	100
Education & Childcare	93	94	100

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Homes For Sale In Farmers, KY

105 Old US 60

Morehead, KY

110 KY-801

Morehead, KY

Cost Of Living Quick Facts

The cost of living in Farmers is 9% higher than the Kentucky average
The cost of living in Farmers is 4% lower than the national average
Farmers housing is 13% 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	$0	$0	$0	$0
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.
Owingsville, KY	2,187	82	18.2%
Salt Lick, KY	344	82	18.1%
Frenchburg, KY	890	82	17.7%
Morehead, KY	7,952	92	8.5%
Lakeview Heights, KY	436	95	5.5%
Farmers, KY	27	96	4.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Ko Vaya, AZ	27	103	3.1%
Alderpoint, CA	27	117	17.4%
Macdoel, CA	27	107	7.1%
Towner, CO	27	107	6.7%
Boykin, GA	27	94	5.6%
Farmers, KY	27	96	4.1%