Cost Of Living in Waverly, KY

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14%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

41%

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	Waverly	Kentucky	National
Cost of living	86	88	100
Groceries	97	98	100
Health care	94	97	100
Housing	59	70	100
Transportation	97	96	100
Utilities	94	95	100
Lifestyle & Entertainment	99	95	100
Household Items	99	97	100
Education & Childcare	99	94	100

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Homes For Sale In Waverly, KY

135 Breckinridge Rd

Waverly, KY

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Cost Of Living Quick Facts

The cost of living in Waverly is 3% lower than the Kentucky average
The cost of living in Waverly is 14% lower than the national average
Waverly housing is 41% 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	$94,241	$7,853	$2,199	$2,828
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.
Poole, KY	73	97	3.1%
Uniontown, KY	831	80	19.6%
Sturgis, KY	1,696	81	18.8%
Breckinridge Center, KY	2,016	83	16.6%
Dixon, KY	1,212	84	16.1%
Waverly, KY	448	86	14.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Scotland, GA	448	81	18.8%
Farnhamville, IA	448	78	22.3%
Basalt, ID	448	98	2.1%
Birdseye, IN	448	81	18.8%
Cayuga, NY	448	97	3.4%
Waverly, KY	448	86	14.4%