What is the cost of living in Winchester, KY?
According to the most recent data on the cost of living, Winchester has an overall cost of living index of 90, which is 0.9x lower than the national index of 100.
Compared to Kentucky, Winchester has a cost of living index that's 1.0x higher than Kentucky's index of 89.
The standard of living in Winchester ranks as #33 most affordable out of the 85 places we measured in Kentucky. By definition, that implies Winchester ranks as the #52 most expensive place in the Bluegrass State.
For more reading on life in Winchester, check out:
Winchester Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in Winchester. Here is how it fares on each of the criteria:
The Services index in Winchester is 98.
The Groceries index in Winchester is 96.
The Health index in Winchester is 74.
The Housing index in Winchester is 97.
The Transportation index in Winchester is 96.
The Utilities index in Winchester is 99.
| Living Expense | Winchester | Kentucky | National Average |
|---|---|---|---|
| Overall | 90 | 89 | 100 |
| Services | 98 | 100 | 100 |
| Groceries | 96 | 98 | 100 |
| Health | 74 | 68 | 100 |
| Housing | 97 | 98 | 100 |
| Transportation | 96 | 95 | 100 |
| Utilities | 99 | 96 | 100 |
Winchester 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 Winchester Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Winchester, 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 Winchester is $256,848.
The Median Rent in Winchester is $916.
The Median Income in Winchester is $54,378.
The Home Value To Income in Winchester is 4.7x.
The Rent To Monthly Income in Winchester is 0.2x.
| Statistic | Winchester | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $256,848 | $231,894 | $332,700 |
| Median Rent | $916 | $967 | $1,413 |
| Median Income | $54,378 | $63,726 | $80,734 |
| Home Value To Income | 4.7x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.2x | 0.18x | 0.21x |
Winchester, KY Costs By Category
Detailed Winchester Services costs vs. Kentucky
| Item | Winchester | 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 Winchester Groceries costs vs. Kentucky
| Item | Winchester | 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 Winchester Health costs vs. Kentucky
| Item | Winchester | Kentucky |
|---|---|---|
| Optometrist | $87.52 | $125.68 |
| Doctor | $106.15 | $135.78 |
| Dentist | $102.55 | $113.29 |
Detailed Winchester Transportation costs vs. Kentucky
| Item | Winchester | Kentucky |
|---|---|---|
| Gasoline | $3.11 | $3.46 |
| Tire Balancing | $58.38 | $59.92 |
Detailed Winchester Utilities costs vs. Kentucky
| Item | Winchester | Kentucky |
|---|---|---|
| All Electricity | $207.41 | $193.99 |
| Phone | $192.46 | $192.25 |
Winchester SnackAbility
Cost Of Living In Cities Around Winchester
The cost of living varies in the cities and towns around Winchester. Here's a quick look at the cost of living in the most populous nearby places:
Georgetown, KY has a cost of living index of 97, 1.1x Winchester.
Richmond, KY has a cost of living index of 91, 1.0x Winchester.
Nicholasville, KY has a cost of living index of 91, 1.0x Winchester.
| City | Population | Cost Of Living | Vs. Winchester |
|---|---|---|---|
| Georgetown, KY | 39,117 | 97 | 1.1x |
| Richmond, KY | 37,111 | 91 | 1.0x |
| Nicholasville, KY | 32,197 | 91 | 1.0x |
| Frankfort, KY | 28,503 | 91 | 1.0x |
| Danville, KY | 17,327 | 91 | 1.0x |
| Berea, KY | 15,786 | 92 | 1.0x |
| Lawrenceburg, KY | 11,943 | 92 | 1.0x |
| Versailles, KY | 10,492 | 93 | 1.0x |
| Paris, KY | 10,160 | 89 | 1.0x |
| Mount Sterling, KY | 7,551 | 90 | 1.0x |
