A+
1%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
3%
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 Jeffersontown Kentucky National
Cost of living9988100
Groceries9898100
Health care9597100
Housing10370100
Transportation9996100
Utilities9995100
Lifestyle & Entertainment9295100
Household Items9597100
Education & Childcare10194100
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An Overview of Cost of Living in Jeffersontown, KY

Knowing the cost of living in Jeffersontown allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Jeffersontown stands at 99, marking it 1% lower than the national average.

The cost of living in Jeffersontown aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Jeffersontown residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.

Is Jeffersontown Affordable?

Is Jeffersontown an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Jeffersontown is 1.2% higher than the national average, while the average monthly rent prices are 7.5% higher than average. The affordability of any location can also be influenced by median income levels. Jeffersontown has a median household income of $106,032, which is 30.4% higher than the national average.

What Factors can Influence the Cost of Living in Jeffersontown?

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Jeffersontown, the groceries index is 2.1% lower than the national average.

Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Jeffersontown, healthcare costs are 5.5% lower than the national average.

Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Jeffersontown, the utilities index registers at 1.5% lower than the national average.

Where is the Data From?

The cost of living data for Jeffersontown shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Jeffersontown is 12% higher than the Kentucky average
  • The cost of living in Jeffersontown is 1% lower than the national average
  • Jeffersontown housing is 3% higher 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 Jeffersontown

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Compare Jeffersontown, KY Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$120,876$10,073$2,820$3,627
      Renters$84,960$7,080$1,982$2,549
      The affordability of the housing market in Jeffersontown, 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 Jeffersontown homeowners, the median income is $120,876. This indicates that a monthly maximum of $2,820 should be spent by homeowners on all housing related costs. Renters have a median income of $84,960. This indicates that renters would have a maximum of $1,982 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.
      South Park View, KY5973.0%
      Watterson Park, KY9888712.8%
      West Buechel, KY2,1138712.6%
      Shively, KY16,0918712.8%
      Lynnview, KY7798812.2%
      Jeffersontown, KY29,051991.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Aberdeen, SD29,054964.0%
      Eagle, ID29,04013737.4%
      Temescal Valley, CA29,02215858.0%
      Englewood, NJ29,01913737.4%
      Harrison, NY29,018200100.1%
      Jeffersontown, KY29,051991.2%
      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.