Cost Of Living in Utica, KY

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13%

Overall NAT. AVG.

3%

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	Utica	Kentucky	National
Cost of living	87	88	100
Groceries	97	98	100
Health care	94	97	100
Housing	71	70	100
Transportation	94	96	100
Utilities	94	95	100
Lifestyle & Entertainment	96	95	100
Household Items	96	97	100
Education & Childcare	88	94	100

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Cost Of Living Quick Facts

The cost of living in Utica is 1% lower than the Kentucky average
The cost of living in Utica is 13% lower than the national average
Utica 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

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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	$65,205	$5,434	$1,521	$1,956
Renters	$76,621	$6,385	$1,788	$2,299

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.
Beech Grove, KY	279	76	23.8%
Island, KY	593	79	20.9%
Sacramento, KY	460	79	20.7%
Livermore, KY	1,155	80	20.3%
Hartford, KY	2,801	82	18.3%
Utica, KY	462	87	12.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Thorne Bay, AK	462	106	6.1%
Seville, CA	462	103	3.0%
Humeston, IA	462	78	21.6%
Kenney, IL	462	81	19.4%
Wheatland, IN	462	80	20.1%
Utica, KY	462	87	12.5%