Cost of Living in Harrodsburg, KY

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14%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
40%
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 Harrodsburg Kentucky National
Cost of living8688100
Groceries9998100
Health care9897100
Housing6070100
Transportation9896100
Utilities9595100
Lifestyle & Entertainment9895100
Household Items9597100
Education & Childcare9694100
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Homes For Sale In Harrodsburg, KY

property for sale

115 Gracelynn Cir

Harrodsburg, KY
property for sale

450 Agee St

Harrodsburg, KY
property for sale

9623 Cornishville Rd

Harrodsburg, KY
property for sale

3398 Mackville Rd

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

Cost Of Living Quick Facts

  • The cost of living in Harrodsburg is 2% lower than the Kentucky average
  • The cost of living in Harrodsburg is 14% lower than the national average
  • Harrodsburg housing is 40% 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 Harrodsburg

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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$79,579$6,632$1,857$2,388
      Renters$44,527$3,711$1,039$1,336
      The affordability of the housing market in Harrodsburg, KY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Harrodsburg homeowners, the median income is $79,579. This indicates that a monthly maximum of $1,857 should be spent by homeowners on all housing related costs. Renters have a median income of $44,527. This indicates that renters would have a maximum of $1,039 for their rent related monthly costs.

      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.
      Salvisa, KY170972.7%
      Perryville, KY9978515.1%
      Lancaster, KY3,9148415.6%
      Junction City, KY1,9938614.1%
      Burgin, KY8828712.5%
      Harrodsburg, KY8,7998613.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lake of the Woods, VA8,80012019.8%
      Mount Pleasant, IA8,7958811.9%
      Sallisaw, OK8,8038416.5%
      Monroe, NY8,80413130.8%
      Harrisburg, IL8,7938217.7%
      Harrodsburg, KY8,7998613.8%
      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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