Cost of Living in Fort Thomas, KY
Population 17,242 · Kentucky · Data vintage 2023
(100 = US avg)
Fort Thomas sits on the smaller end of the Kentucky city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible.
Geographically, Fort Thomas sits roughly 5 miles southeast of Cincinnati. Median home values run roughly 40% higher than Cincinnati's $215,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Fort Thomas
The median home value in Fort Thomas is $301,400 — 1% below the national median of $305,000. Median rent runs $1,095/month, 17% lower than the national median of $1,314/month. The median household income of $100,819/year is 35% higher than the US median of $74,580. The local unemployment rate is 3.4%, below the national average of 4.8%. Kentucky's top state income tax rate is 4.0% and the combined sales tax is 6.0%. The climate averages highs of 65.4°F and lows of 44.2°F. Overall, Fort Thomas has a cost of living index of 93 versus the US average of 100, meaning it is 7% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 41 | 45 | 55 | 67 | 75 | 83 | 87 | 86 | 80 | 68 | 55 | 45 |
| Low °F | 24 | 26 | 33 | 43 | 53 | 61 | 65 | 64 | 56 | 44 | 34 | 28 |
| Precip" | 2.86 | 2.79 | 3.94 | 4.37 | 4.70 | 4.61 | 4.39 | 3.39 | 3.07 | 3.05 | 2.91 | 3.32 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Fort Thomas, KY?
Fort Thomas has a cost index of 93 (100 = national average). It is 7% below the national average.
What is average rent in Fort Thomas, KY?
The median gross rent in Fort Thomas is $1,095 per month based on 2023 Census data.
What is the average home price in Fort Thomas?
The median home value in Fort Thomas is $301,400 according to Zillow and Census data.
What is the median income in Fort Thomas?
The median household income in Fort Thomas is $100,819 per year (2023 ACS 5-year estimates).
What is the sales tax in Fort Thomas, KY?
The combined state and local sales tax rate in Fort Thomas is 6.0%. The Kentucky state income tax top rate is 4.0%.
Is Fort Thomas, KY affordable?
Fort Thomas is near the national average in terms of cost of living, with an index of 93 (100 = US average).
What is the weather like in Fort Thomas?
Fort Thomas has average high temperatures of 65.4°F and average lows of 44.2°F. Annual precipitation is 43.4". Data from NOAA 1991–2020 Climate Normals.
Fort Thomas at a Glance
- Population
- 17,242
- Median Income
- $100,819
- Home Value
- $301,400
- Median Rent
- $1,095/mo
- Unemployment
- 3.4%
- Avg High Temp
- 65.4°F
- Sales Tax
- 6.0%
Explore county-level cost of living data
Kentucky Rankings
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