What is the cost of living in Fort Thomas, KY?
According to the most recent data on the cost of living, Fort Thomas has an overall cost of living index of 103, which is 1.0x higher than the national index of 100.
Compared to Kentucky, Fort Thomas has a cost of living index that's 1.2x higher than Kentucky's index of 89.
The standard of living in Fort Thomas ranks as #76 most affordable out of the 85 places we measured in Kentucky. By definition, that implies Fort Thomas ranks as the #9 most expensive place in the Bluegrass State.
For more reading on life in Fort Thomas, check out:
Fort Thomas Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in Fort Thomas. Here is how it fares on each of the criteria:
The Services index in Fort Thomas is 98.
The Groceries index in Fort Thomas is 96.
The Health index in Fort Thomas is 114.
The Housing index in Fort Thomas is 95.
The Transportation index in Fort Thomas is 95.
The Utilities index in Fort Thomas is 94.
| Living Expense | Fort Thomas | Kentucky | National Average |
|---|---|---|---|
| Overall | 103 | 89 | 100 |
| Services | 98 | 100 | 100 |
| Groceries | 96 | 98 | 100 |
| Health | 114 | 68 | 100 |
| Housing | 95 | 98 | 100 |
| Transportation | 95 | 95 | 100 |
| Utilities | 94 | 96 | 100 |
Fort Thomas Cost Of Living Compared To Kentucky Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Kentucky, check out:
Protect your home budget Compare home warranties in Fort Thomas Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Fort Thomas, KY Housing Cost Breakdown
Housing swings affordability the most between places in Kentucky, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Fort Thomas is $368,292.
The Median Rent in Fort Thomas is $1,126.
The Median Income in Fort Thomas is $104,350.
The Home Value To Income in Fort Thomas is 3.5x.
The Rent To Monthly Income in Fort Thomas is 0.13x.
| Statistic | Fort Thomas | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $368,292 | $231,894 | $332,700 |
| Median Rent | $1,126 | $967 | $1,413 |
| Median Income | $104,350 | $63,726 | $80,734 |
| Home Value To Income | 3.5x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.13x | 0.18x | 0.21x |
Fort Thomas, KY Costs By Category
Detailed Fort Thomas Services costs vs. Kentucky
| Item | Fort Thomas | Kentucky |
|---|---|---|
| Shampoo | $1.27 | $1.28 |
| Movie | $14.35 | $12.13 |
| Bowling | $17.56 | $18 |
| Haircut | $25.13 | $24.26 |
| Beauty Salon | $37.93 | $45.56 |
Detailed Fort Thomas Groceries costs vs. Kentucky
| Item | Fort Thomas | Kentucky |
|---|---|---|
| Ground Beef | $5.91 | $5.84 |
| Fried Chicken | $1.72 | $1.57 |
| Milk | $4.8 | $4.67 |
| Potatoes | $5.05 | $4.93 |
| Pizza | $11.92 | $12.09 |
| Beer | $10.63 | $10.41 |
| Toothpaste | $3.6 | $3.7 |
Detailed Fort Thomas Health costs vs. Kentucky
| Item | Fort Thomas | Kentucky |
|---|---|---|
| Optometrist | $105.42 | $125.68 |
| Doctor | $159.4 | $135.78 |
| Dentist | $106.67 | $113.29 |
Detailed Fort Thomas Transportation costs vs. Kentucky
| Item | Fort Thomas | Kentucky |
|---|---|---|
| Gasoline | $3.27 | $3.46 |
| Tire Balancing | $73.09 | $59.92 |
Detailed Fort Thomas Utilities costs vs. Kentucky
| Item | Fort Thomas | Kentucky |
|---|---|---|
| All Electricity | $197.1 | $193.99 |
| Phone | $186.48 | $192.25 |
Fort Thomas SnackAbility
Cost Of Living In Cities Around Fort Thomas
The cost of living varies in the cities and towns around Fort Thomas. Here's a quick look at the cost of living in the most populous nearby places:
Newport, KY has a cost of living index of 90, 0.9x Fort Thomas.
Monfort Heights, OH has a cost of living index of 94, 0.9x Fort Thomas.
Mack, OH has a cost of living index of 104, 1.0x Fort Thomas.
| City | Population | Cost Of Living | Vs. Fort Thomas |
|---|---|---|---|
| Newport, KY | 13,967 | 90 | 0.9x |
| Monfort Heights, OH | 12,441 | 94 | 0.9x |
| Mack, OH | 11,516 | 104 | 1.0x |
| Montgomery, OH | 10,855 | 122 | 1.2x |
| Forestville, OH | 10,831 | 106 | 1.0x |
| Madeira, OH | 9,484 | 118 | 1.1x |
| Wyoming, OH | 8,723 | 116 | 1.1x |
| Kenwood, OH | 8,326 | 108 | 1.0x |
| Dry Run, OH | 7,687 | 116 | 1.1x |
| Covedale, OH | 6,500 | 96 | 0.9x |
