The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters
Ranked on The Town Files lifestyle rankings among 305 towns of 500–10,000 people in Kentucky, scoring every town on all of these at once. #1 is Hanson, KY.
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25Massac, Kentucky
Retirement: 60th percentile · January average low (°F): 90th percentile · Home value ÷ income: 71st percentile
Massac is a community of 4,635 people in McCracken County, Kentucky. Homes have a median value of $239,400 against household income of $92,560; January lows average 27°F.
4,635 people · McCracken County · median home $239,400 · income $92,560 · Jan low 27°F · 9 in snow
Full Massac, Kentucky profile: weather, storms, schools, jobs →
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24Wingo, Kentucky
Retirement: 65th percentile · January average low (°F): 74th percentile · Home value ÷ income: 83rd percentile
Wingo is a city of 573 people in Graves County, Kentucky. Homes have a median value of $117,200 against household income of $50,000; January lows average 27°F.
573 people · Graves County · median home $117,200 · income $50,000 · Jan low 27°F · 4 in snow
Full Wingo, Kentucky profile: weather, storms, schools, jobs →
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23Woodland Hills, Kentucky
Retirement: 76th percentile · January average low (°F): 78th percentile · Home value ÷ income: 68th percentile
Woodland Hills is a city of 736 people in Jefferson County, Kentucky. Homes have a median value of $259,800 against household income of $96,042; January lows average 27°F.
736 people · Jefferson County · median home $259,800 · income $96,042 · Jan low 27°F · 10 in snow
Full Woodland Hills, Kentucky profile: weather, storms, schools, jobs →
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22Harlan, Kentucky
Retirement: 97th percentile · January average low (°F): 64th percentile · Home value ÷ income: 64th percentile
Harlan is a city of 1,776 people in Harlan County, Kentucky. Homes have a median value of $89,200 against household income of $32,408; January lows average 26°F.
1,776 people · Harlan County · median home $89,200 · income $32,408 · Jan low 26°F · 16 in snow
Full Harlan, Kentucky profile: weather, storms, schools, jobs →
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21Edmonton, Kentucky
Retirement: 81st percentile · January average low (°F): 56th percentile · Home value ÷ income: 90th percentile
Edmonton is a city of 1,671 people in Metcalfe County, Kentucky. Homes have a median value of $104,000 against household income of $51,272; January lows average 25°F.
1,671 people · Metcalfe County · median home $104,000 · income $51,272 · Jan low 25°F · 7 in snow
Full Edmonton, Kentucky profile: weather, storms, schools, jobs →
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20Reidland, Kentucky
Retirement: 94th percentile · January average low (°F): 54th percentile · Home value ÷ income: 83rd percentile
Reidland is a community of 4,526 people in McCracken County, Kentucky. Homes have a median value of $228,000 against household income of $99,423; January lows average 25°F.
4,526 people · McCracken County · median home $228,000 · income $99,423 · Jan low 25°F · 4 in snow
Full Reidland, Kentucky profile: weather, storms, schools, jobs →
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19Albany, Kentucky
Retirement: 81st percentile · January average low (°F): 75th percentile · Home value ÷ income: 76th percentile
Albany is a city of 1,760 people in Clinton County, Kentucky. Homes have a median value of $111,100 against household income of $44,007; January lows average 27°F.
1,760 people · Clinton County · median home $111,100 · income $44,007 · Jan low 27°F · 4 in snow
Full Albany, Kentucky profile: weather, storms, schools, jobs →
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18Dawson Springs, Kentucky
Retirement: 69th percentile · January average low (°F): 78th percentile · Home value ÷ income: 87th percentile
Dawson Springs is a city of 2,452 people in Hopkins County, Kentucky. Homes have a median value of $70,000 against household income of $32,838; January lows average 27°F.
2,452 people · Hopkins County · median home $70,000 · income $32,838 · Jan low 27°F · 8 in snow
Full Dawson Springs, Kentucky profile: weather, storms, schools, jobs →
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17Bardwell, Kentucky
Retirement: 75th percentile · January average low (°F): 65th percentile · Home value ÷ income: 96th percentile
Bardwell is a city of 714 people in Carlisle County, Kentucky. Homes have a median value of $74,200 against household income of $47,784; January lows average 26°F.
714 people · Carlisle County · median home $74,200 · income $47,784 · Jan low 26°F · 6 in snow
Full Bardwell, Kentucky profile: weather, storms, schools, jobs →
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16Auburn, Kentucky
Retirement: 82nd percentile · January average low (°F): 72nd percentile · Home value ÷ income: 83rd percentile
Auburn is a city of 1,589 people in Logan County, Kentucky. Homes have a median value of $122,900 against household income of $53,897; January lows average 26°F.
1,589 people · Logan County · median home $122,900 · income $53,897 · Jan low 26°F · 6 in snow
Full Auburn, Kentucky profile: weather, storms, schools, jobs →
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15Cumberland, Kentucky
Retirement: 87th percentile · January average low (°F): 59th percentile · Home value ÷ income: 92nd percentile
Cumberland is a city of 1,947 people in Harlan County, Kentucky. Homes have a median value of $66,500 against household income of $35,410; January lows average 26°F.
1,947 people · Harlan County · median home $66,500 · income $35,410 · Jan low 26°F · 17 in snow
Full Cumberland, Kentucky profile: weather, storms, schools, jobs →
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14Green Spring, Kentucky
Retirement: 92nd percentile · January average low (°F): 78th percentile · Home value ÷ income: 68th percentile
Green Spring is a city of 711 people in Jefferson County, Kentucky. Homes have a median value of $457,800 against household income of $170,313; January lows average 27°F.
711 people · Jefferson County · median home $457,800 · income $170,313 · Jan low 27°F · 9 in snow
Full Green Spring, Kentucky profile: weather, storms, schools, jobs →
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13Brownsboro Farm, Kentucky
Retirement: 99th percentile · January average low (°F): 78th percentile · Home value ÷ income: 64th percentile
Brownsboro Farm is a city of 640 people in Jefferson County, Kentucky. Homes have a median value of $404,900 against household income of $146,563; January lows average 27°F.
640 people · Jefferson County · median home $404,900 · income $146,563 · Jan low 27°F · 9 in snow
Full Brownsboro Farm, Kentucky profile: weather, storms, schools, jobs →
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12Spring Valley, Kentucky
Retirement: 99th percentile · January average low (°F): 78th percentile · Home value ÷ income: 64th percentile
Spring Valley is a city of 675 people in Jefferson County, Kentucky. Homes have a median value of $429,200 against household income of $150,750; January lows average 27°F.
675 people · Jefferson County · median home $429,200 · income $150,750 · Jan low 27°F · 9 in snow
Full Spring Valley, Kentucky profile: weather, storms, schools, jobs →
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11Providence, Kentucky
Retirement: 94th percentile · January average low (°F): 50th percentile · Home value ÷ income: 99th percentile
Providence is a city of 2,892 people in Webster County, Kentucky. Homes have a median value of $60,300 against household income of $55,121; January lows average 25°F.
2,892 people · Webster County · median home $60,300 · income $55,121 · Jan low 25°F · 9 in snow
Full Providence, Kentucky profile: weather, storms, schools, jobs →
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10La Center, Kentucky
Retirement: 77th percentile · January average low (°F): 72nd percentile · Home value ÷ income: 96th percentile
La Center is a city of 872 people in Ballard County, Kentucky. Homes have a median value of $92,300 against household income of $56,776; January lows average 26°F.
872 people · Ballard County · median home $92,300 · income $56,776 · Jan low 26°F · 7 in snow
Full La Center, Kentucky profile: weather, storms, schools, jobs →
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9Lynch, Kentucky
Retirement: 95th percentile · January average low (°F): 59th percentile · Home value ÷ income: 92nd percentile
Lynch is a city of 658 people in Harlan County, Kentucky. Homes have a median value of $58,600 against household income of $30,114; January lows average 26°F.
658 people · Harlan County · median home $58,600 · income $30,114 · Jan low 26°F · 35 in snow
Full Lynch, Kentucky profile: weather, storms, schools, jobs →
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8Crofton, Kentucky
Retirement: 67th percentile · January average low (°F): 89th percentile · Home value ÷ income: 92nd percentile
Crofton is a city of 653 people in Christian County, Kentucky. Homes have a median value of $85,200 against household income of $45,855; January lows average 27°F.
653 people · Christian County · median home $85,200 · income $45,855 · Jan low 27°F · 9 in snow
Full Crofton, Kentucky profile: weather, storms, schools, jobs →
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7Summersville, Kentucky
Retirement: 93rd percentile · January average low (°F): 57th percentile · Home value ÷ income: 98th percentile
Summersville is a community of 551 people in Green County, Kentucky. Homes have a median value of $96,800 against household income of $75,444; January lows average 26°F.
551 people · Green County · median home $96,800 · income $75,444 · Jan low 26°F · 15 in snow
Full Summersville, Kentucky profile: weather, storms, schools, jobs →
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6Burgin, Kentucky
Retirement: 87th percentile · January average low (°F): 90th percentile · Home value ÷ income: 76th percentile
Burgin is a city of 979 people in Mercer County, Kentucky. Homes have a median value of $193,000 against household income of $77,585; January lows average 27°F.
979 people · Mercer County · median home $193,000 · income $77,585 · Jan low 27°F · 12 in snow
Full Burgin, Kentucky profile: weather, storms, schools, jobs →
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5Benham, Kentucky
Retirement: 95th percentile · January average low (°F): 59th percentile · Home value ÷ income: 99th percentile
Benham is a city of 512 people in Harlan County, Kentucky. Homes have a median value of $53,000 against household income of $44,946; January lows average 26°F.
512 people · Harlan County · median home $53,000 · income $44,946 · Jan low 26°F · 35 in snow
Full Benham, Kentucky profile: weather, storms, schools, jobs →
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4Benton, Kentucky
Retirement: 84th percentile · January average low (°F): 91st percentile · Home value ÷ income: 83rd percentile

Photo: Tennessee Valley Authority (public domain, Wikimedia Commons) Benton is a city of 4,756 people in Marshall County, Kentucky. Homes have a median value of $157,000 against household income of $66,827; January lows average 27°F.
4,756 people · Marshall County · median home $157,000 · income $66,827 · Jan low 27°F · 4 in snow
Full Benton, Kentucky profile: weather, storms, schools, jobs →
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3Hickman, Kentucky
Retirement: 97th percentile · January average low (°F): 74th percentile · Home value ÷ income: 90th percentile
Hickman is a city of 2,365 people in Fulton County, Kentucky. Homes have a median value of $70,800 against household income of $34,653; January lows average 27°F.
2,365 people · Fulton County · median home $70,800 · income $34,653 · Jan low 27°F · 5 in snow
Full Hickman, Kentucky profile: weather, storms, schools, jobs →
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2Clinton, Kentucky
Retirement: 100th percentile · January average low (°F): 78th percentile · Home value ÷ income: 92nd percentile
Clinton is a city of 1,222 people in Hickman County, Kentucky. Homes have a median value of $67,100 against household income of $34,464; January lows average 27°F.
1,222 people · Hickman County · median home $67,100 · income $34,464 · Jan low 27°F · 4 in snow
Full Clinton, Kentucky profile: weather, storms, schools, jobs →
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1Hanson, Kentucky
Retirement: 98th percentile · January average low (°F): 95th percentile · Home value ÷ income: 96th percentile
Hanson is a city of 758 people in Hopkins County, Kentucky. Homes have a median value of $141,500 against household income of $95,903; January lows average 28°F.
758 people · Hopkins County · median home $141,500 · income $95,903 · Jan low 28°F · 8 in snow
Full Hanson, Kentucky profile: weather, storms, schools, jobs →
Percentile vs Kentucky towns on each part of this ranking.
Price vs ranking
More Kentucky rankings
- The 25 Best Small Towns to Retire in Kentucky
- The 25 Quietest Small Towns in Kentucky
- The 25 Most Affordable Small Towns in Kentucky
- The 25 Best Small Towns for Families in Kentucky
- The 25 Best Quiet, Affordable Small Towns to Retire in Kentucky
- 25 Small Towns in Kentucky With the Cheapest Homes
- 25 Small Towns in Kentucky With the Mildest Winters
- The 25 Most Walkable Small Towns in Kentucky
- 25 Small Towns in Kentucky With the Fewest Tornadoes Since 1950
- The 25 Best Small Towns for First-Time Home Buyers in Kentucky
Same ranking, other places
- The 50 Best Affordable Small Towns to Retire in America With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Pennsylvania With Mild Winters
- The 25 Best Affordable Small Towns to Retire in New York With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Michigan With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Texas With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Minnesota With Mild Winters
- The 24 Best Affordable Small Towns to Retire in California With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Illinois With Mild Winters
- The 25 Best Affordable Small Towns to Retire in Ohio With Mild Winters
- 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)