Cost of Living in Stearns, KY

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20%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
60%
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 Stearns Kentucky National
Cost of living8088100
Groceries9598100
Health care9997100
Housing4070100
Transportation9596100
Utilities9595100
Lifestyle & Entertainment9695100
Household Items9697100
Education & Childcare10294100
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Homes For Sale In Stearns, KY

property for sale

Lower Shirt Factory Rd

Stearns, KY
property for sale

100 Coal Pit Rd

Stearns, KY
property for sale

51 Valley Rd

Stearns, KY
property for sale

2275 Skullbone Tower Rd

Stearns, KY

Cost Of Living Quick Facts

  • The cost of living in Stearns is 10% lower than the Kentucky average
  • The cost of living in Stearns is 20% lower than the national average
  • Stearns housing is 60% 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 Stearns

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      Transportation index
      Utilities index
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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$0$0$0$0
      Renters$0$0$0$0

      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.
      Whitley City, KY1,6938019.6%
      Pine Knot, KY1,4608118.8%
      Oneida, TN3,8338416.3%
      Winfield, TN1,1558415.9%
      Stearns, KY1,0868020.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Emmonak, AK1,0861043.8%
      Machin, ON1,086n/a 
      Trochu, AB1,086n/a 
      Canon, GA1,0858712.6%
      Cottonwood, ID1,087928.5%
      Stearns, KY1,0868020.3%
      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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