Retirement Lists

Cost of Living in Campbellsville, Kentucky

Taylor County Courthouse
Photo by W.marsh via Wikimedia Commons, CC BY-SA 3.0

Campbellsville cost of living

Modest housing can help, but the household still needs a full Central Kentucky budget

Campbellsville's median owner-occupied value is $164,600, median gross rent is $685, median owner cost without a mortgage is $437, and median household income is $49,644 for 2020-2024. These city measures support a lower-cost possibility but not a complete retirement budget.

The city's 23.4% poverty rate is a reminder that lower prices and local purchasing power are different questions. Add utilities, repairs, insurance, transportation, food, taxes, and care to the actual home.

Planning a monthly budget

A local monthly estimate of $2,584 gives you the starting point, with transportation taking the largest share.

Housing
$624
Utilities (in rent)
$236
Food
$460/mo
Transportation
$1,064/mo
Healthcare
$436

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$3,506

Very Good

Cost of Living for Couple
$3,811

Very Good

Typical 1BR Rent
$624

Excellent

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$223/mo

Excellent

Need for a Car
Required
Property Taxes
Moderate

Fair

Overall Feel
Good
Residents 65+ Below Poverty Level
14.6%
65+ Householder — Renter Occupied
23.7%
65+ Households With High Housing Costs
16.5%
Median Household Income, Householder 65+
$60,885

Could Campbellsville fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$2,584 per month
Two people
$3,811 per month

One-person estimate breakdown

Housing
$624
Food
$460
Transportation
$1,064
Healthcare
$436

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Campbellsville in everyday life

Could Campbellsville work for you?

What may work well

  • City housing medians are modest.
  • Kentucky offers several retirement-income provisions for qualifying households.
  • A mortgage-free owner may have lower reported costs.

What to think about

  • The city poverty rate calls for a balanced affordability conclusion.
  • Current listings and household expenses remain unverified.
  • Car and care travel can add recurring cost.

Prepare a Campbellsville budget

  1. Get current housing quotes

    Record purchase or rent, taxes, utilities, insurance, repairs, cooling, accessibility, and internet.

  2. Apply tax rules carefully

    Check retirement income, Social Security, homestead, deductions, filing status, and local property taxes.

  3. Price car routes

    Add groceries, pharmacy, care, fuel, maintenance, parking, university, recreation, and family travel.

  4. Keep a care reserve

    Allow for specialist travel, medicines, rehabilitation, home support, mobility work, and emergency lodging.

Questions retirees ask

What does $437 monthly owner cost mean?

It is a Census median for owners without a mortgage, not a complete budget. Add taxes, insurance, utilities, repairs, transport, and healthcare.

Is $685 current rent?

It is a 2020-2024 city median for occupied rental units, not a current one-bedroom listing or guarantee of availability.

Does Kentucky tax Social Security?

The state guidance cited in the packet identifies Social Security as not taxable by Kentucky, but other income and deductions still require a full household calculation.

What can change the budget most?

Home condition, vehicle use, utilities, insurance, specialist travel, medicines, accessibility, and repair reserves can all matter.

Campbellsville offers a credible lower-cost starting point, but the actual budget comes from the property, taxes, car, care route, repairs, and household needs.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.