The Town FilesWarsaw, Kentucky
City in Gallatin County · population 1,761 (2020 Census)
- Median home
- $185,900
- Household income
- $60,769
- Jan low / Jul high
- 19° / 85°
- Snow a year
- 7 in
- Tornadoes ≤10 mi since 1950
- 16
- Median age
- 30.3
Warsaw is a city of 1,761 people in Gallatin County, Kentucky. The median home is worth $185,900, above the typical Kentucky town ($161,450). It ranks better for first-time buyers than 87% of Kentucky towns.
How Warsaw ranks
Percentile among Kentucky towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Kentucky towns.
Homes and cost of living
The median home in Warsaw is worth $185,900, above the typical Kentucky town ($161,450). Homes cost about 3.1 times the median household income of $60,769, which is more affordable than 47% of Kentucky towns. Median rent is $757 a month. 40.4% of households own their home.
| Housing | Warsaw | Typical Kentucky town |
|---|---|---|
| Median home value | $185,900 | $161,450 |
| Median rent | $757 | $837 |
| Median household income | $60,769 | $54,969 |
| Home value ÷ income | 3.1× | 3.0× |
| Homeownership | 40.4% | 63.5% |
| Median year built | 1985 | 1974 |
| Seasonal / vacation homes | 1.6% | — |
Who lives in Warsaw
| People | Warsaw | Typical Kentucky town |
|---|---|---|
| Median age | 30.3 | 39.1 |
| Age 65 and over | 15.7% | 18.1% |
| Under 18 | 29.2% | — |
| Bachelor's degree or higher | 15.7% | 19.8% |
| Below the poverty line | 24.6% | 18.0% |
| Veterans | 6.5% | — |
| Born outside the U.S. | 5.4% | — |
| Work from home | 3.5% | 7.5% |
| Average commute | 22.0 min | 22.2 min |
| Homes with broadband | 87.1% | 88.6% |
Weather in Warsaw
July highs average 85.1°F and January lows 18.6°F. About 47.7 inches of rain and melted snow fall a year, with 6.5 inches of snow (typical Kentucky town: 9.4 in). Expect about 12 days a year at 90°F or hotter and 120 nights at or below freezing.
Tornadoes, storms and disasters
16 tornadoes have passed within 10 miles of Warsaw since 1950, compared with 19 for the typical Kentucky town. 3 rated (E)F2 or stronger. The strongest, an F4, struck on November 22, 1992 about 1.1 miles from the town center. Tornadoes within 10 miles have caused 1 deaths and 17 injuries since 1950. The most recent was on July 21, 2026.
Hail of 1 inch or larger has been reported within 10 miles 36 times; the largest was 3.00 inches on May 4, 1996.
Severe weather in Gallatin County since 1996
Gallatin County has been included in 17 federal disaster or emergency declarations since 1953, most often for flood, hurricane, snowstorm.
| Declared | Incident | Declaration |
|---|---|---|
| January 24, 2026 | Winter Storm | EM-3633: Severe Winter Storm |
| April 24, 2025 | Severe Storm | DR-4864: Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| April 3, 2025 | Severe Storm | EM-3626: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding |
| February 16, 2025 | Severe Storm | EM-3624: Severe Storms, Straight-Line Winds, Flooding, And Landslides |
| April 10, 2023 | Severe Storm | DR-4702: Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
Jobs and pay in Gallatin County
Gallatin County had 2,488 jobs in 2024, paying an average of $70,485 a year. Unemployment was 4% in 2023; in Warsaw itself the ACS puts it at 6.8%.
Public schools in Warsaw
4 public schools with 1,482 students, about 18.5 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| Gallatin County High School | 9-12 | 460 | 17.7 |
| Gallatin County Lower Elementary | PK-2 | 422 | 17.6 |
| Gallatin County Middle School | 6-8 | 310 | 20.7 |
| Gallatin County Upper Elementary | 3-5 | 290 | 19.3 |
Towns near Warsaw
- Vevay, IN10.6 mi · 1,741 people · home $133,800
- Rising Sun, IN11.9 mi · 2,248 people · home $155,700
- Verona, KY12.4 mi · 1,545 people · home $451,600
- Crittenden, KY15.7 mi · 4,023 people · home $223,800
- Walton, KY15.9 mi · 5,460 people · home $262,200
- Union, KY16.3 mi · 7,416 people · home $411,500
- Carrollton, KY16.4 mi · 3,890 people · home $113,200
- Owenton, KY17.1 mi · 1,682 people · home $137,500
Warsaw questions
Is Warsaw, Kentucky a good place to retire?
On The Town Files lifestyle rankings, Warsaw scores better for retirees than 40% of Kentucky towns and quieter than 57%. 15.7% of residents are 65 or older (median age 30.3).
How much does a house cost in Warsaw?
The median owner-occupied home in Warsaw is valued at $185,900 (Census ACS 2020–2024), against a median household income of $60,769, so homes cost about 3.1 times income. Median rent is $757 a month.
What is the weather like in Warsaw?
July highs average 85.1°F and January lows 18.6°F (NOAA 1991–2020 normals). It gets about 47.7 inches of precipitation a year and 6.5 inches of snow.
Does Warsaw get tornadoes?
16 tornadoes have passed within 10 miles of Warsaw since 1950 (NOAA Storm Events); the strongest was a F4 on November 22, 1992. The typical Kentucky town has had 19.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)