Cost of Living in Union, KY

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C+
16%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
64%
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 Union Kentucky National
Cost of living11688100
Groceries9598100
Health care9797100
Housing16470100
Transportation9496100
Utilities9795100
Lifestyle & Entertainment9795100
Household Items9797100
Education & Childcare9094100
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Homes For Sale In Union, KY

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1367 Wilshire Ct

Union, KY
property for sale

Ridge Rd

Union, KY
property for sale

6813 Green Isle Ln

Union, KY
property for sale

5013 Loch Dr

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

Cost Of Living Quick Facts

  • The cost of living in Union is 31% higher than the Kentucky average
  • The cost of living in Union is 16% higher than the national average
  • Union housing is 64% higher 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 Union

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Compare Union, KY Cost of Living

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      Utilities index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$184,639$15,387$4,308$5,540
      Renters$164,659$13,722$3,842$4,940
      The affordability of the housing market in Union, KY as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Union homeowners, the median income is $184,639. This indicates that a monthly maximum of $4,308 should be spent by homeowners on all housing related costs. Renters have a median income of $164,659. This indicates that renters would have a maximum of $3,842 for their rent related monthly costs.

      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.
      Petersburg, KY375954.8%
      Shawnee, OH1,081954.8%
      Florence, IN47954.8%
      Elizabethtown, OH2957524.9%
      Shawnee village, OH5637821.8%
      Union, KY6,21511615.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Humboldt, SK6,215n/a 
      Isanti, MN6,2161022.3%
      Willard, OH6,2168416.0%
      Comstock Northwest, MI6,218937.2%
      Pass Christian, MS6,223973.0%
      Union, KY6,21511615.7%
      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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