Photo by Elisa Kennemer on Unsplash (https://unsplash.com/@elisalou)
Shively, Kentucky Retirement Guide
established retirement community
59
Retirement Score
Shively, Kentucky at a Glance
- Median Home Price
- $133,400
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 28°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 59 / 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
$133,400High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$824High confidence
U.S. Census ACS 5-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)Data not available
Aging-in-Place Score (proxy)
42.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July High
87.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
28°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
46"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
294 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)
1.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
8.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
15,595High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
43.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
20.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$45,953High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
54.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
13.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
19.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
39.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
53.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
5.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Shively using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$289
Stress-case monthly carrying cost
$325
Median home price used: $133,400
Median rent reference: $824 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.