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St. Matthews, Kentucky Retirement Guide
established retirement community
42
Retirement Score
St. Matthews, Kentucky at a Glance
- Median Home Price
- $307,400
- 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
- 42 / 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
$307,400High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Monthly Rent
$1,198High 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)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
44.1 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · 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)
8.5 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.8 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
17,511High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
37.5High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
19.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$78,928High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
54.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
5.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
57.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
7.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
86.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
5.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
3.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in St. Matthews using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$666
Stress-case monthly carrying cost
$748
Median home price used: $307,400
Median rent reference: $1,198 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.