The Town Files

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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Numbers match the ranking.
The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters1. Hansonscore 962. Clintonscore 903. Hickmanscore 874. Bentonscore 865. Benhamscore 846. Burginscore 847. Summersvillescore 838. Croftonscore 839. Lynchscore 8210. La Centerscore 8211. Providencescore 8112. Spring Valleyscore 8013. Brownsboro Farmscore 8014. Green Springscore 7915. Cumberlandscore 7916. Auburnscore 7917. Bardwellscore 7918. Dawson Springsscore 7819. Albanyscore 7720. Reidlandscore 7721. Edmontonscore 7622. Harlanscore 7523. Woodland Hillsscore 7424. Wingoscore 7425. Massacscore 74
  1. 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 →

    Massac: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement60th pctMild winters90th pctAffordability71th pct
    Percentile vs Kentucky towns on each part of this ranking.
  2. 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 →

    Wingo: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement65th pctMild winters74th pctAffordability83th pct
    Percentile vs Kentucky towns on each part of this ranking.
  3. 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 →

    Woodland Hills: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement76th pctMild winters78th pctAffordability68th pct
    Percentile vs Kentucky towns on each part of this ranking.
  4. 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 →

    Harlan: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement97th pctMild winters64th pctAffordability64th pct
    Percentile vs Kentucky towns on each part of this ranking.
  5. 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 →

    Edmonton: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement81th pctMild winters56th pctAffordability90th pct
    Percentile vs Kentucky towns on each part of this ranking.
  6. 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 →

    Reidland: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement94th pctMild winters54th pctAffordability83th pct
    Percentile vs Kentucky towns on each part of this ranking.
  7. 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 →

    Albany: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement81th pctMild winters75th pctAffordability76th pct
    Percentile vs Kentucky towns on each part of this ranking.
  8. 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 →

    Dawson Springs: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement69th pctMild winters78th pctAffordability87th pct
    Percentile vs Kentucky towns on each part of this ranking.
  9. 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 →

    Bardwell: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement75th pctMild winters65th pctAffordability96th pct
    Percentile vs Kentucky towns on each part of this ranking.
  10. 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 →

    Auburn: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement82th pctMild winters72th pctAffordability83th pct
    Percentile vs Kentucky towns on each part of this ranking.
  11. 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 →

    Cumberland: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement87th pctMild winters59th pctAffordability92th pct
    Percentile vs Kentucky towns on each part of this ranking.
  12. 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 →

    Green Spring: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement92th pctMild winters78th pctAffordability68th pct
    Percentile vs Kentucky towns on each part of this ranking.
  13. 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 →

    Brownsboro Farm: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement99th pctMild winters78th pctAffordability64th pct
    Percentile vs Kentucky towns on each part of this ranking.
  14. 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 →

    Spring Valley: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement99th pctMild winters78th pctAffordability64th pct
    Percentile vs Kentucky towns on each part of this ranking.
  15. 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 →

    Providence: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement94th pctMild winters50th pctAffordability99th pct
    Percentile vs Kentucky towns on each part of this ranking.
  16. 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 →

    La Center: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement77th pctMild winters72th pctAffordability96th pct
    Percentile vs Kentucky towns on each part of this ranking.
  17. 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 →

    Lynch: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement95th pctMild winters59th pctAffordability92th pct
    Percentile vs Kentucky towns on each part of this ranking.
  18. 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 →

    Crofton: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement67th pctMild winters89th pctAffordability92th pct
    Percentile vs Kentucky towns on each part of this ranking.
  19. 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 →

    Summersville: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement93th pctMild winters57th pctAffordability98th pct
    Percentile vs Kentucky towns on each part of this ranking.
  20. 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 →

    Burgin: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement87th pctMild winters90th pctAffordability76th pct
    Percentile vs Kentucky towns on each part of this ranking.
  21. 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 →

    Benham: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement95th pctMild winters59th pctAffordability99th pct
    Percentile vs Kentucky towns on each part of this ranking.
  22. 4Benton, Kentucky

    Retirement: 84th percentile · January average low (°F): 91st percentile · Home value ÷ income: 83rd percentile

    Benton, Kentucky
    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 →

    Benton: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement84th pctMild winters91th pctAffordability83th pct
    Percentile vs Kentucky towns on each part of this ranking.
  23. 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 →

    Hickman: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement97th pctMild winters74th pctAffordability90th pct
    Percentile vs Kentucky towns on each part of this ranking.
  24. 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 →

    Clinton: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement100th pctMild winters78th pctAffordability92th pct
    Percentile vs Kentucky towns on each part of this ranking.
  25. 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 →

    Hanson: The 25 Best Affordable Small Towns to Retire in Kentucky With Mild Winters scoresRetirement98th pctMild winters95th pctAffordability96th pct
    Percentile vs Kentucky towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, Kentucky towns0255075100$10K$143K$276K$409K$543KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in Kentucky.

More Kentucky rankings

Same ranking, other places

Methodology. We ranked 305 towns of 500–10,000 people in Kentucky (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: