10 Pros and Cons of Living in Kentucky

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Updated on March 31st, 2023

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Kentucky is known for its scenic beauty, horse racing, bourbon, bluegrass music, and southern hospitality. Many cities in Kentucky offer a unique experience that combines the charm of small-town living with the amenities of big cities like living in Louisville. With a rich history that spans back to the frontier days, Kentucky has a vibrant culture deeply rooted in its people, food, music, and traditions. Whether you’re looking for homes for sale in Lexington, an apartment in Owensboro, or want to learn more about this state, here are ten pros and cons of living in Kentucky.

Frankfort, Kentucky Waterfront

Pros of living in Kentucky

1. Kentucky has affordable cost of living throughout the state

Kentucky’s housing costs, including rent and mortgages, are relatively inexpensive compared to other states. The median sale price is $227,100, and a two-bedroom apartment averages $1,321. Additionally, utilities and transportation costs are also reasonable, contributing to the overall low cost of living in the state. For charming cities, you’ll want to check out towns like Bardstown or Frankfort. However, there are cities for any lifestyle in Kentucky.

2. The state is in a central location

Centrally located, Kentucky is an easily accessible destination for travelers. The state is bordered by seven other states, including Indiana, Ohio, Tennessee, Virginia, West Virginia, Missouri, and Illinois. Bordering these states makes it a convenient stopping point for those traveling nationwide. The state also has a robust transportation infrastructure, including several major highways and a network of regional airports, making it easy to get in and out of the state. 

Two Couples at the derby

3. Grab your hats and get ready for Kentucky’s sports scene

The Bluegrass state is particularly famous for its love of basketball, with the University of Kentucky’s men’s basketball team being one of the most successful programs in NCAA history. The state also hosts several major horse racing events, including the Kentucky Derby, one of the world’s most prestigious horse races. And if you love the motorsports scene, you’re in the right spot. The Kentucky Speedway hosts various NASCAR events for any fan.

4. Kentucky has a rich cultural history

Kentucky has a rich cultural history reflected in its architecture, music, art, and cuisine. The state played a significant role in settlement of the American frontier, with historic sites like the Perryville Battlefield State Historic Site and the Kentucky Bourbon Trail offering a glimpse into the state’s early days. 

Kentucky is also known for its deep tie to Bluegrass and country. The state has produced several famous musicians, including Loretta Lynn, Ricky Skaggs, and Bill Monroe, known as the “Father of Bluegrass Music.” 

Two horses grazing

5. You’ll easily discover breathtaking scenery 

If you’re looking for reasons to move to Kentucky, you’ll quickly recognize its beauty. Kentucky has abundant beautiful scenery, making it a popular destination for outdoor enthusiasts and nature lovers. The state is home to rolling hills, lush forests, sparkling lakes, and winding rivers that offer a picturesque backdrop.

In addition, the state boasts several natural landmarks, including the iconic Mammoth Cave National Park, the world’s longest-known cave system, and the Red River Gorge, known for its sandstone cliffs and natural arches. Kentucky is also famous for its horse farms, and the rolling bluegrass countryside surrounding them is often called the “Horse Capital of the World.”

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Cons of living in Kentucky

1. Limited public transportation in rural parts of the state

While Kentucky has transportation infrastructure in major cities, some rural areas have limited options. Outside major cities, there are limited bus lines and a limited network of passenger rail service. The passenger rail service includes very few Amtrak stations in the state. 

2. You’ll need to watch out for natural disasters in Kentucky

Kentucky is prone to various natural disasters, including floods, tornadoes, and earthquakes. The state is located in a region known as Tornado Alley, which is prone to severe storms and tornadoes, particularly in the spring and early summer months. Flooding is also common in the state, particularly along the Ohio River and its tributaries. If you live in the state, you’ll want to create an emergency evacuation plan for your home and stay prepared.

Tornado valley

3. Entertainment options are lacking in some parts of the state

While the state does have a thriving music scene, other forms of entertainment may be less readily available. Large-scale entertainment venues, like major concert arenas or professional sports stadiums, are limited and may only be available in larger cities. Outside these cities, you’ll see small towns within vast land. And while some forms of entertainment may be more limited in Kentucky, the state’s natural beauty and cultural offerings make it a unique and worthwhile destination.

4. Pesky bugs come out in the summer

In the summer, Kentucky can be pretty humid, attracting pesky bugs. Mosquitoes are common throughout the state and can be a nuisance for those outdoors, particularly in wooded or wet areas. Ticks are also prevalent in some areas and can carry diseases, making it essential to take precautions outdoors. 

Stinging insects like wasps, hornets, and bees can also be problematic, particularly in the late summer and early fall. While these bugs can be annoying, some ways to protect yourself include wearing long-sleeved clothing, using insect repellent, and avoiding standing water where mosquitoes can breed. 

Red Jacket Woman Push Shoveling Winter Blizzard Snow

5. Bundle up for the harsh winters

Kentucky experiences harsh winters, particularly in the northern and eastern parts of the state, due to its location in the Appalachian region. Winter temperatures can regularly drop below freezing and snowfall is expected. Some areas of the state receives significant snowfall yearly. Additionally, the state is prone to ice storms, which can cause power outages and hazardous road conditions. It’s crucial for those living in Kentucky during the winter months to take appropriate precautions, like preparing your home for winter.

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Pros and cons of living in Kentucky: Bottom line

On the positive side, Kentucky has a low cost of living, beautiful scenery, a rich cultural history, and a thriving sports scene. However, some challenges to living in Kentucky include limited transportation options in some areas, potential natural disasters, limited entertainment options in some areas, and harsh winters. Despite these challenges, many people find that the benefits of living in Kentucky outweigh the drawbacks. So if you are considering moving, consider these pros and cons of living in Kentucky before calling it your next home.

If you are represented by an agent, this is not a solicitation of your business. This article is for informational purposes only, and is not a substitute for professional advice from a medical provider, licensed attorney, financial advisor, or tax professional. Consumers should independently verify any agency or service mentioned will meet their needs. Learn more about our Editorial Guidelines here.
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Ana de Guzman

Ana is part of the content marketing team and enjoys writing about home improvement and life & style. Her dream house would be a Mediterranean style home featuring expansive windows.

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