Cost of Living in Hardinsburg, KY

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16%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
45%
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 Hardinsburg Kentucky National
Cost of living8488100
Groceries9998100
Health care9797100
Housing5570100
Transportation9796100
Utilities9295100
Lifestyle & Entertainment9895100
Household Items9897100
Education & Childcare9694100
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Homes For Sale In Hardinsburg, KY

property for sale

Highway 60

,

property for sale

115 Cody Ln

Hardinsburg, KY
property for sale

704 Harper Henderson Ln

Hardinsburg, KY
property for sale

193 Meadowview Ln

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

Cost Of Living Quick Facts

  • The cost of living in Hardinsburg is 4% lower than the Kentucky average
  • The cost of living in Hardinsburg is 16% lower than the national average
  • Hardinsburg housing is 45% 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 Hardinsburg

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Compare Hardinsburg, 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$84,053$7,004$1,961$2,522
      Renters$46,575$3,881$1,087$1,397

      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.
      Cloverport, KY1,0817623.6%
      Fordsville, KY6607821.9%
      Irvington, KY1,3648415.9%
      Ekron, KY2728614.0%
      Hardinsburg, KY2,8218415.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Beach City, TX2,82012625.5%
      Westworth Village, TX2,8201054.7%
      Leadville, CO2,81911111.0%
      Essex Village, CT2,81917069.8%
      Circle D-KC Estates, TX2,8191010.6%
      Hardinsburg, KY2,8218415.6%
      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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