What is the cost of living in St. Matthews, KY?
According to the most recent data on the cost of living, St. Matthews has an overall cost of living index of 108, which is 1.1x higher than the national index of 100.
Compared to Kentucky, St. Matthews has a cost of living index that's 1.2x higher than Kentucky's index of 89.
The standard of living in St. Matthews ranks as #82 most affordable out of the 85 places we measured in Kentucky. By definition, that implies St. Matthews ranks as the #3 most expensive place in the Bluegrass State.
For more reading on life in St. Matthews, check out:
St. Matthews Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in St. Matthews. Here is how it fares on each of the criteria:
The Services index in St. Matthews is 98.
The Groceries index in St. Matthews is 95.
The Health index in St. Matthews is 132.
The Housing index in St. Matthews is 97.
The Transportation index in St. Matthews is 97.
The Utilities index in St. Matthews is 94.
| Living Expense | St. Matthews | Kentucky | National Average |
|---|---|---|---|
| Overall | 108 | 89 | 100 |
| Services | 98 | 100 | 100 |
| Groceries | 95 | 98 | 100 |
| Health | 132 | 68 | 100 |
| Housing | 97 | 98 | 100 |
| Transportation | 97 | 95 | 100 |
| Utilities | 94 | 96 | 100 |
St. Matthews 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 St. Matthews Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
St. Matthews, 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 St. Matthews is $381,227.
The Median Rent in St. Matthews is $1,369.
The Median Income in St. Matthews is $82,412.
The Home Value To Income in St. Matthews is 4.6x.
The Rent To Monthly Income in St. Matthews is 0.2x.
| Statistic | St. Matthews | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $381,227 | $231,894 | $332,700 |
| Median Rent | $1,369 | $967 | $1,413 |
| Median Income | $82,412 | $63,726 | $80,734 |
| Home Value To Income | 4.6x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.18x | 0.21x |
St. Matthews, KY Costs By Category
Detailed St. Matthews Services costs vs. Kentucky
| Item | St. Matthews | Kentucky |
|---|---|---|
| Shampoo | $1.21 | $1.28 |
| Movie | $13.05 | $12.13 |
| Bowling | $21.91 | $18 |
| Haircut | $26.5 | $24.26 |
| Beauty Salon | $53.07 | $45.56 |
Detailed St. Matthews Groceries costs vs. Kentucky
| Item | St. Matthews | Kentucky |
|---|---|---|
| Ground Beef | $6.07 | $5.84 |
| Fried Chicken | $1.4 | $1.57 |
| Milk | $4.72 | $4.67 |
| Potatoes | $5.19 | $4.93 |
| Pizza | $10.35 | $12.09 |
| Beer | $9.84 | $10.41 |
| Toothpaste | $3.5 | $3.7 |
Detailed St. Matthews Health costs vs. Kentucky
| Item | St. Matthews | Kentucky |
|---|---|---|
| Optometrist | $87.52 | $125.68 |
| Doctor | $106.15 | $135.78 |
| Dentist | $102.55 | $113.29 |
Detailed St. Matthews Transportation costs vs. Kentucky
| Item | St. Matthews | Kentucky |
|---|---|---|
| Gasoline | $3.11 | $3.46 |
| Tire Balancing | $58.38 | $59.92 |
Detailed St. Matthews Utilities costs vs. Kentucky
| Item | St. Matthews | Kentucky |
|---|---|---|
| All Electricity | $207.41 | $193.99 |
| Phone | $192.46 | $192.25 |
St. Matthews SnackAbility
Cost Of Living In Cities Around St. Matthews
The cost of living varies in the cities and towns around St. Matthews. Here's a quick look at the cost of living in the most populous nearby places:
Jeffersontown, KY has a cost of living index of 101, 0.9x St. Matthews.
Lyndon, KY has a cost of living index of 103, 1.0x St. Matthews.
Middletown, KY has a cost of living index of 108, 1.0x St. Matthews.
| City | Population | Cost Of Living | Vs. St. Matthews |
|---|---|---|---|
| Jeffersontown, KY | 29,199 | 101 | 0.9x |
| Lyndon, KY | 11,030 | 103 | 1.0x |
| Middletown, KY | 9,763 | 108 | 1.0x |
| Crestwood, KY | 6,356 | 107 | 1.0x |
| Douglass Hills, KY | 5,474 | 107 | 1.0x |
