Middletown cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index10189100
Goods & Services index101100100
Groceries index9591100
Health care index10290100
Housing index10670100
Transportation index10299100
Utilities index9498100
A general summary of the cost of living index in Middletown, KY is shown above. Compared to the state average of Kentucky the cost of living index in Middletown, KY is 101, which is 13% higher than the average in Kentucky and compared to the national average it is 1% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Middletown, KY goods and services come in at equal to the average in Kentucky and are 1% higher than compared to the nationwide average.
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Did you know?

  • The cost of living in Middletown is 13% higher than the Kentucky average.
  • The cost of living in Middletown is 1% higher than the national average.
  • The cost of housing in Middletown is 6% higher than the national average.
  • Kentucky general sales tax is 18% higher than the national average.
  • Kentucky state income tax is 10% lower than the national average.

Compare Middletown, KY Cost of living To Other Cities

Salary Calculator

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Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Middletown, KY to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Middletown, KY, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Middletown, KY salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Middletown, KY, as well as what the average cost of living is. 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 payment and not more than 36 percent of income on all expenses and debts. In Middletown, KY homeowners have a median income of $75,816. Using that number, you will come up with a maximum of $1,769 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $39,176, which means there is a maximum of $914 to be spent on the costs of renting a home or apartment.

Kentucky Sales Tax

StateGeneral Sales TaxWith Max Surtax

Kentucky Income Tax

StateIncome Tax (Low)Income Tax (High)
The Kentucky sales tax and Kentucky income tax rates should definitely be considered when determining the overall cost of living in Middletown, KY. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Kentucky sales tax is 6% and the maximum surtax is 6%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Kentucky income tax rates range from 2% to 6%.

Goods & Services

ItemMiddletownNational avg.Difference
Haircut $15.16$17.4913.3%
Beauty Salon $37.33$38.172.2%
Toothpaste $1.89$2.3218.6%
Shampoo $0.95$1.016.1%
Movie $12.90$10.7220.3%
Bowling $18.33$13.8632.2%


ItemMiddletownNational avg.Difference
Ground Beef $3.66$3.906.2%
Fried Chicken $1.12$1.4019.8%
Milk $1.16$1.9640.9%
Potatoes $3.74$3.1817.5%
Pizza $10.00$10.393.8%
Beer $9.16$9.230.8%

Health Care

ItemMiddletownNational avg.Difference
Optometrist $76.33$106.3428.2%
Doctor $154.17$115.2533.8%
Dentist $85.00$98.3813.6%
Ibuprofen $7.99$9.2613.7%
Lipitor $510.29$466.479.4%


ItemMiddletownNational avg.Difference
Home Price $198,300.00$184,700.007.4%
Avg. Mortgage Payment $1,003.96$1,273.3221.2%
Apartment Rent $964.00$949.001.6%


ItemMiddletownNational avg.Difference
Gasoline $2.86$2.5910.4%
Tire Balancing $45.00$48.908.0%


ItemMiddletownNational avg.Difference
All Electricity$151.92$167.609.4%
Phone $177.97$163.428.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
South Park View, KY299-1%
West Buechel, KY1,17586-14%
Charlestown, IN7,99087-13%
Watterson Park, KY1,34387-13%
Lynnview, KY1,02389-11%
Middletown, KY7,7731011%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Butler, NJ7,77312828%
Orono, MN7,77215757%
Canal Winchester, OH7,77494-6%
Bernardsville, NJ7,77616565%
Hobart, WI7,7791000%
Middletown, KY7,7731011%
Source: The Middletown, KY cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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