12 Pros and Cons of Living in Kentucky: What to Know

Kentucky is where horse racing and bourbon are more than pastimes—they’re a way of life. From Louisville’s busy streets to Lexington’s quieter charm, life here is a mix of urban convenience and rural living. But like anywhere, living in Kentucky has its ups and downs. In this ApartmentGuide article, we’ll take a closer look at the pros and cons of living in Kentucky, so you can decide if it’s the right fit for you.

Renting in Kentucky snapshot

1. Pro: Kentucky lives and breathes horse racing

Horse racing is the forefront of Kentucky’s identity, with the Kentucky Derby at Churchill Downs serving as the ultimate celebration of this equestrian tradition. Each May, crowds gather for the races, donning extravagant hats and sipping mint juleps while cheering on world-class thoroughbreds. Lexington, aptly nicknamed the “Horse Capital of the World,” complements this excitement with its sprawling horse farms and events, where you can experience the artistry and dedication behind the sport year-round.

2. Con: The sticky side of summer

Kentucky summers come with more than just long daylight hours—they also bring intense humidity that can make even a short walk feel like a workout. The combination of high temperatures and thick, muggy air can be exhausting, particularly for those who enjoy outdoor activities. In cities like Louisville, stagnant air can exacerbate respiratory issues, turning summer into a season where air conditioning becomes a lifeline and shaded porches are prime real estate.

3. Pro: Kentucky’s Bourbon Trail

Home to the legendary Bourbon Trail, the state invites residents and tourists to explore distilleries steeped in history and craftsmanship. Stops at places like Jim Beam, Maker’s Mark, and Four Roses aren’t just about tasting bourbon—they’re about experiencing the legacy of generations who perfected the art of distilling. Whether you’re sampling small-batch blends or touring historic barrel houses, bourbon isn’t just a drink in Kentucky—it’s a story.

4. Con: Getting around isn’t always easy

Transportation can be a challenge in Kentucky, especially outside the larger cities. While urban centers like Lexington and Louisville have bus systems, their limited reach often leaves residents reliant on their cars for daily commutes and errands. This is especially true in smaller towns and rural areas, where access to public transportation is almost nonexistent. For example, Covington’s transit score of 28 reflects the reality that most people in Kentucky need their own set of wheels to get around effectively.

5. Pro: Bluegrass hills and Red River Gorge

Kentucky’s landscapes are one to remember, from the rolling Bluegrass fields to the rugged cliffs and arches of Red River Gorge. You can hike, climb, and explore the vast Daniel Boone National Forest, home to lush greenery, sandstone formations, and hidden waterfalls. Additionally, the state’s beauty isn’t confined to one season, either—spring wildflowers, summer kayaking trips, fall foliage, and winter solitude make Kentucky a good place to live.

6. Con: Floods, tornadoes, and earthquakes

Kentucky’s rolling hills can also be a source of danger. The state is prone to natural disasters, including flooding, tornadoes, and occasional earthquakes. Its position along the Ohio River increases flood risks, while its proximity to the New Madrid Seismic Zone means earthquakes, though infrequent, are a possibility. 

7. Pro: Living here is affordable

With a low cost of living compared to many other states, Kentucky provides residents with affordability and financial stability. Housing prices are notably reasonable, as seen in Frankfort, which has a median sale price of $227,000 and an average rental price for a one-bedroom standing at $765. Additionally, everyday expenses such as groceries, utilities, and transportation tend to be more affordable, enabling residents to stretch their dollars further.

8. Con: Environmental challenges linger

Kentucky’s industrial history has left behind a complicated environmental legacy. Coal mining, particularly in Appalachia, has caused significant damage to ecosystems through mountaintop removal and water pollution. Meanwhile, urban areas grapple with air quality issues stemming from industrial activity. Efforts are underway to address these challenges, but many communities continue to feel the impact of years of environmental neglect.

9. Pro: Outdoor adventures for every season

There’s plenty to explore in the different seasons in Kentucky. Lakes like Cumberland and rivers like the Big Sandy provide excellent spots for boating and fishing, while state parks and forests offer endless hiking trails and campgrounds. Kayak through scenic waterways in the summer or go snow tubing at Perfect North Slopes in the winter. Each season brings another reason why life in Kentucky is something to consider.

10. Con: Aging roads and limited rural utilities

Infrastructure can be a frustrating issue for many Kentuckians, particularly in rural areas where aging roads, bridges, and utilities struggle to keep up with modern needs. While urban areas fare slightly better, smaller communities often deal with unreliable water systems and limited access to high-speed internet. These challenges can make everyday tasks more difficult and highlight the disparities between rural and urban life in the state.

11. Pro: Landmarks highlight the past

You will find that Kentucky is full of stories and landmarks. From the stately Ashland estate of Henry Clay to the somber yet educational Civil War battlefields like Perryville, the state provides countless opportunities to learn about its past. Sites like My Old Kentucky Home offer a glimpse into life during pivotal moments in the nation’s history, while preserved downtowns and historic districts serve as living reminders of the state’s evolution.

12. Con: The quiet of rural living

Life in Kentucky’s rural areas brings a sense of peace and solitude that’s hard to find elsewhere. However, this tranquility often comes with drawbacks, such as limited access to healthcare, fewer job opportunities, and longer commutes to urban centers. For those who value small communities and wide-open spaces, the trade-off might be worth it, but it’s important to weigh these factors carefully when considering a move to the state.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.