Cost of Living in Wilmore, KY

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A+
5%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
10%
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 Wilmore Kentucky National
Cost of living9588100
Groceries9998100
Health care9897100
Housing9070100
Transportation9896100
Utilities9595100
Lifestyle & Entertainment9895100
Household Items9597100
Education & Childcare9694100
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Homes For Sale In Wilmore, KY

property for sale

104 Appaloosa Trl

Wilmore, KY
property for sale

13 Grandview Trl

Versailles, KY
property for sale

9110 2 Harrodsburg Rd

Wilmore, KY
property for sale

143 Academy Dr

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

Cost Of Living Quick Facts

  • The cost of living in Wilmore is 8% higher than the Kentucky average
  • The cost of living in Wilmore is 5% lower than the national average
  • Wilmore housing is 10% 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 Wilmore

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Compare Wilmore, KY Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$130,084$10,840$3,035$3,903
      Renters$77,669$6,472$1,812$2,330
      A good way to judge both the affordability of the housing and the cost of living in Wilmore is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Wilmore has a median income of about $130,084 for people who own homes. Based on that number, a maximum of $3,035 should be spent on expenses related to housing. Renters have a slightly different median income, which is $77,669. Based on this average, renters should spend no more than $1,812 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Salvisa, KY170972.7%
      Harrodsburg, KY8,7998613.8%
      Burgin, KY8828712.5%
      High Bridge, KY1869010.5%
      Lawrenceburg, KY11,704919.0%
      Wilmore, KY6,581955.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kingston Estates, NJ6,58312020.0%
      De Soto, KS6,5841022.4%
      Village of Oak Creek (Big Park), AZ6,57713635.8%
      St. John, MO6,5778613.7%
      Champion Heights, OH6,5778713.1%
      Wilmore, KY6,581955.0%
      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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