Cost of Living in Coldstream, KY

With a cost of living index of 118, Coldstream, KY is a notably expensive place to live. Living here is 18% more expensive than the national average and 40% above the Kentucky state average of 78. Coldstream is a small community of 1,269 residents.

Housing costs are the biggest factor in Coldstream's cost of living. The median monthly rent is $2,121 (61% above the US median of $1,319), and the median home value sits at $260,300 (15% below the national median of $304,900). At current prices, the median home costs roughly 2.7x the median household income — well within traditional affordability guidelines.

The median household income in Coldstream is $96,417, which is 28% higher than the national median of $75,149. Residents spend roughly 26% of household income on rent. This is near the 30% threshold that financial experts generally consider the upper limit of affordability. While incomes are above average, they more than offset the higher cost of living.

Everyday prices in the Louisville/Jefferson County, KY-IN (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.