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Bardstown, Kentucky Retirement Guide
established retirement community
67
Retirement Score
Bardstown, Kentucky at a Glance
- Median Home Price
- $173,300
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 28.9°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 67 / 100
Retirement Data
Affordability
Cost of Living Index
89.4 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$173,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$850High confidence
U.S. Census ACS 5-Year · Updated June 2026
Taxes
Retirement Tax Score
45 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
86.7 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
45.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
86.7 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
88.5°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
28.9°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
47.7"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
288 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
11.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
13,564High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.1High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
16.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$47,654High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
55.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
24.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
12.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
80.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
12.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
5.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
0.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Bardstown using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$375
Stress-case monthly carrying cost
$422
Median home price used: $173,300
Median rent reference: $850 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.