Cost of Living in London, KY

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12%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
29%
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 London Kentucky National
Cost of living8888100
Groceries9698100
Health care9797100
Housing7170100
Transportation9896100
Utilities9695100
Lifestyle & Entertainment9395100
Household Items9597100
Education & Childcare9394100
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Homes For Sale In London, KY

property for sale

500 Blackberry Ln

London, KY
property for sale

254 Sunny Brook Cir

London, KY
property for sale

11 M J B Dr

London, KY
property for sale

103 Fletcher Dr

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

Cost Of Living Quick Facts

  • The cost of living in London is equal to the Kentucky average
  • The cost of living in London is 12% lower than the national average
  • London housing is 29% 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 London

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Compare London, 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$95,284$7,940$2,223$2,859
      Renters$29,785$2,482$695$894
      A good indicator of the general affordability of housing in London, KY, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In London, the median monthly income is $95,284 for those who own their own homes. Under the standard rule, that income level would allow for $2,223 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $29,785, per the median income in the area. That would allow for renters to spend up to $695 on monthly rental expenses.

      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.
      Livingston, KY1537921.3%
      East Bernstadt, KY8818118.5%
      North Corbin, KY1,9058416.5%
      Annville, KY8608515.3%
      Corbin, KY7,7228713.2%
      London, KY8,3718811.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Madison Park, NJ8,37112525.3%
      Ludington, MI8,370909.8%
      Farmville, VA8,3681021.6%
      Summit Park, UT8,37417676.4%
      Hillsdale, MI8,3768514.8%
      London, KY8,3718811.6%
      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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