The Town Files

The 25 Best Small Towns for First-Time Home Buyers in Kentucky

Ranked on The Town Files lifestyle rankings among 94 towns of 500–10,000 people in Kentucky. #1 is Wilder, KY.

Map of the 25 towns12345678910111213141516171819202122232425
Numbers match the ranking.
The 25 Best Small Towns for First-Time Home Buyers in Kentucky1. Wilder100th pct2. Elsmere99th pct3. Bellevue99th pct4. Southgate99th pct5. Highland Heights98th pct6. Dayton97th pct7. Scottsville97th pct8. Oak Grove95th pct9. Russell Springs95th pct10. Princeton91st pct11. Cold Spring91st pct12. Morgantown88th pct13. Walton87th pct14. Providence86th pct15. Ludlow84th pct16. Eminence82nd pct17. Middlesborough81st pct18. Crittenden79th pct19. Hartford78th pct20. Brandenburg77th pct21. Calvert City74th pct22. Hebron72nd pct23. Flemingsburg70th pct24. Pioneer Village67th pct25. Hillview65th pct
  1. 25Hillview, Kentucky

    Better for first-time buyers than 65% of Kentucky towns

    Hillview is a city of 8,622 people in Bullitt County, Kentucky. It also ranks more walkable than 84% of Kentucky towns and more vibrant than 78% of Kentucky towns.

    8,622 people · Bullitt County · median home $186,300 · income $68,111 · Jan low 26°F · 4 in snow

    Full Hillview, Kentucky profile: weather, storms, schools, jobs →

    Hillview lifestyle rankingsFirst-time buyers65th pctFamilies56th pctYoung professionals30th pctQuiet29th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  2. 24Pioneer Village, Kentucky

    Better for first-time buyers than 67% of Kentucky towns

    Pioneer Village is a city of 2,671 people in Bullitt County, Kentucky. It also ranks more walkable than 84% of Kentucky towns and more vibrant than 84% of Kentucky towns.

    2,671 people · Bullitt County · median home $240,500 · income $84,167 · Jan low 26°F · 4 in snow

    Full Pioneer Village, Kentucky profile: weather, storms, schools, jobs →

    Pioneer Village lifestyle rankingsFirst-time buyers67th pctFamilies46th pctYoung professionals41th pctQuiet57th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  3. 23Flemingsburg, Kentucky

    Better for first-time buyers than 70% of Kentucky towns

    Flemingsburg is a city of 2,953 people in Fleming County, Kentucky. It also ranks better for cycling than 88% of Kentucky towns and better for retirees than 83% of Kentucky towns.

    2,953 people · Fleming County · median home $132,800 · income $35,493 · Jan low 23°F · 9 in snow

    Full Flemingsburg, Kentucky profile: weather, storms, schools, jobs →

    Flemingsburg lifestyle rankingsFirst-time buyers70th pctFamilies31th pctYoung professionals54th pctQuiet48th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  4. 22Hebron, Kentucky

    Better for first-time buyers than 72% of Kentucky towns

    Hebron is a community of 6,195 people in Boone County, Kentucky. It also ranks better for a vacation home than 98% of Kentucky towns and better for families than 93% of Kentucky towns.

    6,195 people · Boone County · median home $239,300 · income $106,719 · Jan low 23°F · 23 in snow

    Full Hebron, Kentucky profile: weather, storms, schools, jobs →

    Hebron lifestyle rankingsFirst-time buyers72th pctFamilies93th pctYoung professionals74th pctQuiet18th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  5. 21Calvert City, Kentucky

    Better for first-time buyers than 74% of Kentucky towns

    Calvert City is a city of 2,514 people in Marshall County, Kentucky. It also ranks better for a vacation home than 96% of Kentucky towns and better transit than 78% of Kentucky towns.

    2,514 people · Marshall County · median home $165,700 · income $48,906 · Jan low 26°F · 4 in snow

    Full Calvert City, Kentucky profile: weather, storms, schools, jobs →

    Calvert City lifestyle rankingsFirst-time buyers74th pctFamilies17th pctYoung professionals49th pctQuiet69th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  6. 20Brandenburg, Kentucky

    Better for first-time buyers than 77% of Kentucky towns

    Brandenburg is a city of 2,894 people in Meade County, Kentucky. It also ranks better transit than 75% of Kentucky towns and easier by car than 73% of Kentucky towns.

    2,894 people · Meade County · median home $214,700 · income $49,844 · Jan low 23°F

    Full Brandenburg, Kentucky profile: weather, storms, schools, jobs →

    Brandenburg lifestyle rankingsFirst-time buyers77th pctFamilies44th pctYoung professionals60th pctQuiet37th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  7. 19Hartford, Kentucky

    Better for first-time buyers than 78% of Kentucky towns

    Hartford, Kentucky
    Photo: Bedford at en.wikipedia (public domain, Wikimedia Commons)

    Hartford is a city of 2,668 people in Ohio County, Kentucky. It also ranks easier by car than 91% of Kentucky towns and better for families than 81% of Kentucky towns.

    2,668 people · Ohio County · median home $106,900 · income $61,445 · Jan low 24°F · 5 in snow

    Full Hartford, Kentucky profile: weather, storms, schools, jobs →

    Hartford lifestyle rankingsFirst-time buyers78th pctFamilies81th pctYoung professionals42th pctQuiet49th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  8. 18Crittenden, Kentucky

    Better for first-time buyers than 79% of Kentucky towns

    Crittenden is a city of 4,023 people in Grant County, Kentucky. The median home is worth $223,800 (typical Kentucky town: $161,450).

    4,023 people · Grant County · median home $223,800 · income $57,283 · Jan low 25°F · 15 in snow

    Full Crittenden, Kentucky profile: weather, storms, schools, jobs →

    Crittenden lifestyle rankingsFirst-time buyers79th pctFamilies54th pctYoung professionals55th pctQuiet31th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  9. 17Middlesborough, Kentucky

    Better for first-time buyers than 81% of Kentucky towns

    Middlesborough is a city of 9,405 people in Bell County, Kentucky. It also ranks better for cycling than 93% of Kentucky towns.

    9,405 people · Bell County · median home $99,900 · income $31,106 · Jan low 23°F · 9 in snow

    Full Middlesborough, Kentucky profile: weather, storms, schools, jobs →

    Middlesborough lifestyle rankingsFirst-time buyers81th pctFamilies5th pctYoung professionals42th pctQuiet36th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  10. 16Eminence, Kentucky

    Better for first-time buyers than 82% of Kentucky towns

    Eminence is a city of 2,705 people in Henry County, Kentucky. It also ranks hipper than 80% of Kentucky towns.

    2,705 people · Henry County · median home $192,600 · income $41,734 · Jan low 20°F

    Full Eminence, Kentucky profile: weather, storms, schools, jobs →

    Eminence lifestyle rankingsFirst-time buyers82th pctFamilies43th pctYoung professionals30th pctQuiet47th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  11. 15Ludlow, Kentucky

    Better for first-time buyers than 84% of Kentucky towns

    Ludlow is a city of 4,385 people in Kenton County, Kentucky. It also ranks more walkable than 97% of Kentucky towns and hipper than 97% of Kentucky towns.

    4,385 people · Kenton County · median home $184,800 · income $65,284 · Jan low 22°F · 16 in snow

    Full Ludlow, Kentucky profile: weather, storms, schools, jobs →

    Ludlow lifestyle rankingsFirst-time buyers84th pctFamilies33th pctYoung professionals81th pctQuiet25th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  12. 14Providence, Kentucky

    Better for first-time buyers than 86% of Kentucky towns

    Providence is a city of 2,892 people in Webster County, Kentucky. It also ranks better for retirees than 94% of Kentucky towns and quieter than 94% of Kentucky towns.

    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 lifestyle rankingsFirst-time buyers86th pctFamilies35th pctYoung professionals29th pctQuiet94th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  13. 13Walton, Kentucky

    Better for first-time buyers than 87% of Kentucky towns

    Walton is a city of 5,460 people in Boone County, Kentucky. It also ranks better for families than 89% of Kentucky towns and better transit than 80% of Kentucky towns.

    5,460 people · Boone County · median home $262,200 · income $77,917 · Jan low 23°F · 16 in snow

    Full Walton, Kentucky profile: weather, storms, schools, jobs →

    Walton lifestyle rankingsFirst-time buyers87th pctFamilies89th pctYoung professionals37th pctQuiet21th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  14. 12Morgantown, Kentucky

    Better for first-time buyers than 88% of Kentucky towns

    Morgantown, Kentucky
    Photo: Bedford at en.wikipedia (public domain, Wikimedia Commons)

    Morgantown is a city of 2,505 people in Butler County, Kentucky. It also ranks hipper than 83% of Kentucky towns.

    2,505 people · Butler County · median home $114,000 · income $37,604 · Jan low 24°F · 7 in snow

    Full Morgantown, Kentucky profile: weather, storms, schools, jobs →

    Morgantown lifestyle rankingsFirst-time buyers88th pctFamilies15th pctYoung professionals54th pctQuiet42th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  15. 11Cold Spring, Kentucky

    Better for first-time buyers than 91% of Kentucky towns

    Cold Spring is a city of 6,216 people in Campbell County, Kentucky. It also ranks better transit than 90% of Kentucky towns and better for young professionals than 88% of Kentucky towns.

    6,216 people · Campbell County · median home $253,600 · income $75,000 · Jan low 24°F · 18 in snow

    Full Cold Spring, Kentucky profile: weather, storms, schools, jobs →

    Cold Spring lifestyle rankingsFirst-time buyers91th pctFamilies34th pctYoung professionals88th pctQuiet34th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  16. 10Princeton, Kentucky

    Better for first-time buyers than 91% of Kentucky towns

    Princeton is a city of 6,270 people in Caldwell County, Kentucky. It also ranks quieter than 73% of Kentucky towns.

    6,270 people · Caldwell County · median home $96,600 · income $47,411 · Jan low 27°F · 9 in snow

    Full Princeton, Kentucky profile: weather, storms, schools, jobs →

    Princeton lifestyle rankingsFirst-time buyers91th pctFamilies43th pctYoung professionals56th pctQuiet73th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  17. 9Russell Springs, Kentucky

    Better for first-time buyers than 95% of Kentucky towns

    Russell Springs is a city of 2,715 people in Russell County, Kentucky. It also ranks more of a college town than 94% of Kentucky towns and easier by car than 91% of Kentucky towns.

    2,715 people · Russell County · median home $170,300 · income $38,697 · Jan low 25°F · 5 in snow

    Full Russell Springs, Kentucky profile: weather, storms, schools, jobs →

    Russell Springs lifestyle rankingsFirst-time buyers95th pctFamilies50th pctYoung professionals50th pctQuiet27th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  18. 8Oak Grove, Kentucky

    Better for first-time buyers than 95% of Kentucky towns

    Oak Grove is a city of 7,931 people in Christian County, Kentucky. It also ranks better for cycling than 82% of Kentucky towns and better for young professionals than 74% of Kentucky towns.

    7,931 people · Christian County · median home $148,700 · income $49,354 · Jan low 28°F · 2 in snow

    Full Oak Grove, Kentucky profile: weather, storms, schools, jobs →

    Oak Grove lifestyle rankingsFirst-time buyers95th pctFamilies10th pctYoung professionals74th pctQuiet4th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  19. 7Scottsville, Kentucky

    Better for first-time buyers than 97% of Kentucky towns

    Scottsville is a city of 4,299 people in Allen County, Kentucky. The median home is worth $160,700 (typical Kentucky town: $161,450).

    4,299 people · Allen County · median home $160,700 · income $35,562 · Jan low 26°F · 8 in snow

    Full Scottsville, Kentucky profile: weather, storms, schools, jobs →

    Scottsville lifestyle rankingsFirst-time buyers97th pctFamilies31th pctYoung professionals60th pctQuiet47th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  20. 6Dayton, Kentucky

    Better for first-time buyers than 97% of Kentucky towns

    Dayton, Kentucky
    Photo: Wholtone (public domain, Wikimedia Commons)

    Dayton is a city of 5,666 people in Campbell County, Kentucky. It also ranks more walkable than 99% of Kentucky towns and hipper than 95% of Kentucky towns.

    5,666 people · Campbell County · median home $163,500 · income $65,992 · Jan low 24°F · 16 in snow

    Full Dayton, Kentucky profile: weather, storms, schools, jobs →

    Dayton lifestyle rankingsFirst-time buyers97th pctFamilies23th pctYoung professionals68th pctQuiet9th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  21. 5Highland Heights, Kentucky

    Better for first-time buyers than 98% of Kentucky towns

    Highland Heights is a city of 6,662 people in Campbell County, Kentucky. It also ranks better for young professionals than 91% of Kentucky towns and hipper than 90% of Kentucky towns.

    6,662 people · Campbell County · median home $169,700 · income $53,275 · Jan low 24°F · 17 in snow

    Full Highland Heights, Kentucky profile: weather, storms, schools, jobs →

    Highland Heights lifestyle rankingsFirst-time buyers98th pctFamilies23th pctYoung professionals91th pctQuiet24th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  22. 4Southgate, Kentucky

    Better for first-time buyers than 99% of Kentucky towns

    Southgate is a city of 3,648 people in Campbell County, Kentucky. It also ranks more of a college town than 99% of Kentucky towns and hipper than 96% of Kentucky towns.

    3,648 people · Campbell County · median home $190,800 · income $54,421 · Jan low 24°F · 17 in snow

    Full Southgate, Kentucky profile: weather, storms, schools, jobs →

    Southgate lifestyle rankingsFirst-time buyers99th pctFamilies15th pctYoung professionals95th pctQuiet9th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  23. 3Bellevue, Kentucky

    Better for first-time buyers than 99% of Kentucky towns

    Bellevue is a city of 5,548 people in Campbell County, Kentucky. It also ranks more walkable than 100% of Kentucky towns and hipper than 100% of Kentucky towns.

    5,548 people · Campbell County · median home $206,500 · income $71,166 · Jan low 24°F · 16 in snow

    Full Bellevue, Kentucky profile: weather, storms, schools, jobs →

    Bellevue lifestyle rankingsFirst-time buyers99th pctFamilies9th pctYoung professionals96th pctQuiet8th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  24. 2Elsmere, Kentucky

    Better for first-time buyers than 99% of Kentucky towns

    Elsmere is a city of 9,159 people in Kenton County, Kentucky. It also ranks more walkable than 91% of Kentucky towns and more vibrant than 86% of Kentucky towns.

    9,159 people · Kenton County · median home $171,900 · income $60,503 · Jan low 23°F · 23 in snow

    Full Elsmere, Kentucky profile: weather, storms, schools, jobs →

    Elsmere lifestyle rankingsFirst-time buyers99th pctFamilies24th pctYoung professionals76th pctQuiet3th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.
  25. 1Wilder, Kentucky

    Better for first-time buyers than 100% of Kentucky towns

    Wilder is a city of 3,176 people in Campbell County, Kentucky. It also ranks better for young professionals than 99% of Kentucky towns and more of a college town than 96% of Kentucky towns.

    3,176 people · Campbell County · median home $159,900 · income $70,893 · Jan low 24°F · 18 in snow

    Full Wilder, Kentucky profile: weather, storms, schools, jobs →

    Wilder lifestyle rankingsFirst-time buyers100th pctFamilies7th pctYoung professionals99th pctQuiet11th pct
    The Town Files lifestyle rankings, percentile vs Kentucky towns.

Price vs ranking

Median home value vs ranking, Kentucky towns0255075100$60K$181K$301K$422K$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 94 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. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: