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Lexington, Kentucky Retirement Guide
affordable cost of livingestablished retirement community
50
Retirement Score
Lexington, Kentucky at a Glance
- Median Home Price
- $287,100
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 27.7°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- affordable cost of living, established retirement community
- RetireCityIQ Score
- 50 / 100
Retirement Data
Affordability
Cost of Living Index
89.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$287,100High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,036High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
25.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
55.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
25.6 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
27.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
45.1"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
290 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
32.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
321,276High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
35.2High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
14.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$66,087High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
54.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
5.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
46.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
14.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
71.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
14.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
7.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
4.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Lexington using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$622
Stress-case monthly carrying cost
$699
Median home price used: $287,100
Median rent reference: $1,036 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.