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.
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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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
19Hartford, Kentucky
Better for first-time buyers than 78% of Kentucky towns

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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
12Morgantown, Kentucky
Better for first-time buyers than 88% of Kentucky towns

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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
6Dayton, Kentucky
Better for first-time buyers than 97% of Kentucky towns

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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns. -
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 →
The Town Files lifestyle rankings, percentile vs Kentucky towns.
Price vs ranking
More Kentucky rankings
- The 25 Best Small Towns to Retire in Kentucky
- The 17 Quietest Small Towns in Kentucky
- The 25 Most Affordable Small Towns in Kentucky
- The 21 Best Small Towns for Families in Kentucky
- 22 Small Towns in Kentucky With the Cheapest Homes
- 22 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 13 Best Affordable Small Towns for Remote Workers in Kentucky
Same ranking, other places
- The 50 Best Small Towns for First-Time Home Buyers in America
- The 25 Best Small Towns for First-Time Home Buyers in Pennsylvania
- The 25 Best Small Towns for First-Time Home Buyers in New York
- The 25 Best Small Towns for First-Time Home Buyers in Michigan
- The 25 Best Small Towns for First-Time Home Buyers in Texas
- The 25 Best Small Towns for First-Time Home Buyers in California
- The 25 Best Small Towns for First-Time Home Buyers in New Jersey
- The 25 Best Small Towns for First-Time Home Buyers in Florida
- The 25 Best Small Towns for First-Time Home Buyers in Wisconsin
- The 25 Best Small Towns for First-Time Home Buyers in Ohio
- 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)