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Frankfort, Kentucky Retirement Guide
established retirement community
57
Retirement Score
Frankfort, Kentucky at a Glance
- Median Home Price
- $157,300
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 28.4°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 57 / 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
$157,300High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$889High 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)
41.3 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
54.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
41.3 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
87.6°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Avg January Low
28.4°FHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Annual Precipitation
46.4"High confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Sunny Days / Year
293 daysHigh confidence
RetireCityIQ state median imputation after Open-Meteo coverage gaps · Updated May 2026
Safety
Safety Score
100 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
28.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
7.3 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
28,460High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
34.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
15.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$53,905High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
48.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
28.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
17.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
74.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
12.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
6.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
2.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Frankfort using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$341
Stress-case monthly carrying cost
$383
Median home price used: $157,300
Median rent reference: $889 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.