Cost of Living in Lancaster, KY

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16%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
42%
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 Lancaster Kentucky National
Cost of living8488100
Groceries9698100
Health care9797100
Housing5870100
Transportation9896100
Utilities9695100
Lifestyle & Entertainment9395100
Household Items9597100
Education & Childcare9394100
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Homes For Sale In Lancaster, KY

property for sale

3040 Perry Rogers Rd

Lancaster, KY
property for sale

179 Bright Leaf Dr

Lancaster, KY
property for sale

227 W Maple Ave

Lancaster, KY
property for sale

1102 Nina Ridge Rd

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

Cost Of Living Quick Facts

  • The cost of living in Lancaster is 4% lower than the Kentucky average
  • The cost of living in Lancaster is 16% lower than the national average
  • Lancaster housing is 42% 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 Lancaster

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Compare Lancaster, KY Cost of Living

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      Salary Calculator

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      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$87,076$7,256$2,032$2,613
      Renters$30,407$2,534$709$912

      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.
      McKinney, KY102964.1%
      Crab Orchard, KY7447821.6%
      Hustonville, KY5758217.7%
      Brodhead, KY1,5898317.3%
      Junction City, KY1,9938614.1%
      Lancaster, KY3,9148415.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Rochester, IL3,9141033.3%
      New Hope, MS3,914945.6%
      Clyde, TX3,9158911.2%
      Carrollton, KY3,9118713.2%
      Ridgway, PA3,9178317.2%
      Lancaster, KY3,9148415.6%
      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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