Cost of Living in Ludlow, KY

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13%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
31%
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 Ludlow Kentucky National
Cost of living8788100
Groceries9798100
Health care9597100
Housing6970100
Transportation9596100
Utilities9595100
Lifestyle & Entertainment9395100
Household Items9797100
Education & Childcare9294100
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Homes For Sale In Ludlow, KY

property for sale

836 Oak St

Ludlow, KY
property for sale

265 Skyview Ct

Ludlow, KY
property for sale

476 Station Dr

Ludlow, KY
property for sale

340 Highway Ave

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

Cost Of Living Quick Facts

  • The cost of living in Ludlow is 1% lower than the Kentucky average
  • The cost of living in Ludlow is 13% lower than the national average
  • Ludlow housing is 31% 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 Ludlow

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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$94,768$7,897$2,211$2,843
      Renters$37,444$3,120$874$1,123
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ludlow, KY, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Ludlow, homeowners have a median income of $94,768. Using that number, a maximum of $2,211 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $37,444, which means there is a maximum of $874 to be spent on the costs of renting a home or apartment.

      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.
      Plainville, OH159973.4%
      Shawnee, OH1,081954.8%
      Elizabethtown, OH2957524.9%
      Hooven, OH3367722.7%
      Shawnee village, OH5637821.8%
      Ludlow, KY4,6778713.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bridgeport, PA4,6761077.3%
      Portola Valley, CA4,678343243.4%
      Piney, AR4,6798614.0%
      Staunton, IL4,6798811.8%
      Lorane, PA4,6741099.4%
      Ludlow, KY4,6778713.0%
      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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