Cost of Living in Germantown, KY

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18%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
47%
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 Germantown Kentucky National
Cost of living8288100
Groceries9798100
Health care9597100
Housing5370100
Transportation9596100
Utilities9595100
Lifestyle & Entertainment9395100
Household Items9797100
Education & Childcare9294100
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Homes For Sale In Germantown, KY

property for sale

2728 Pea Ridge Rd

Germantown, KY
property for sale

2451 Sardis Rd

Mt Olivet, KY
property for sale

4077 Justin Scott Ln

Germantown, KY
property for sale

4056 Jett Estates Ln

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

Cost Of Living Quick Facts

  • The cost of living in Germantown is 7% lower than the Kentucky average
  • The cost of living in Germantown is 18% lower than the national average
  • Germantown housing is 47% 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 Germantown

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Compare Germantown, 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
      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$82,689$6,891$1,929$2,481
      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.
      Chilo, OH67955.1%
      Sardis, KY558019.5%
      Mount Olivet, KY2978118.7%
      Moscow, OH988019.6%
      Augusta, KY1,3608119.1%
      Germantown, KY818217.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Hope, AK8112222.3%
      Daisy, AR818613.6%
      Horseshoe Beach, FL81990.9%
      Numa, IA817425.7%
      Old Ripley, IL81990.7%
      Germantown, KY818217.7%
      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.
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