Farmers, KY

Full City Profile · Kentucky · Rowan County County

1.4 /5.0

F Poor

137 Population 137/sq mi density

$156,900 Home Value $255,170 Zillow

55°F Avg Temperature 290 sunny days/yr

58 Violent Crime/100K 2,235 property/100K

Overall

1.4 / 5.0

Below average overall score based on economy, affordability, safety and education

Safety

1.0 / 5.0

58 violent crimes/100K

Education

1.9 / 5.0

10.8% bachelor's degree or higher

Cost Overview

Cost of Living Index

90.2

Below national average

100 = US average

Avg Annual Property Tax

$2,405

31% below US avg ($3,500)

Fair Market Rents (HUD FY2026)

Studio

$719

per month

1 Bedroom

$794

per month

2 Bedroom

$984

per month

3 Bedroom

$1,277

per month

4 Bedroom

$1,442

per month

Childcare Costs

Infant (Center) $465/mo

$5,580/year

Toddler (Center) $464/mo

$5,568/year

Preschool (Center) $464/mo

$5,568/year

Infant (Family) $344/mo

$4,128/year

Toddler (Family) $351/mo

$4,212/year

Preschool (Family) $351/mo

$4,212/year

Healthcare 40 services

Doctor Visit (Primary Care)	$225.50
Specialist Visit	$315.70
Urgent Care Visit	$180.40
Emergency Room Visit	$1,984.40
Dental Cleaning	$117.26
Dental Filling	$225.50
Root Canal	$902.00
Dental Crown	$1,082.40
Tooth Extraction	$225.50
Wisdom Teeth Removal	$1,353.00
Teeth Whitening	$451.00
Dental Implant	$3,608.00
Eye Exam	$180.40
Glasses (Prescription)	$315.70
Contact Lenses (Annual)	$225.50 annual
LASIK (Per Eye)	$2,255.00 per eye
X-Ray	$225.50
MRI	$1,353.00
CT Scan	$1,082.40
Ultrasound	$360.80

Blood Test (Basic Panel)	$135.30
Physical Therapy (Session)	$135.30 per session
Chiropractor Visit	$67.65
Dermatologist Visit	$225.50
Mental Health Therapy	$157.85 per session
Psychiatrist Visit	$270.60
Colonoscopy	$2,255.00
Mammogram	$270.60
Knee Replacement	$31,570.00
Hip Replacement	$28,864.00
Cataract Surgery (Per Eye)	$3,157.00 per eye
ACL Surgery	$22,550.00
Appendectomy	$13,530.00
C-Section Delivery	$19,844.00
Normal Childbirth	$11,726.00
Flu Shot	$36.08
COVID Test	$90.20
Prescription (Generic, 30-day)	$13.53 per month
Prescription (Brand, 30-day)	$225.50 per month
Ambulance Ride	$1,082.40

Auto Repair 18 services

Oil Change (Conventional)	$40.59
Oil Change (Synthetic)	$67.65
Brake Pad Replacement	$270.60
Tire Rotation	$36.08
New Tires (Set of 4)	$541.20 set of 4
Battery Replacement	$180.40
Transmission Repair	$2,706.00
AC Repair	$451.00
Windshield Replacement	$315.70

Wheel Alignment	$90.20
Spark Plug Replacement	$180.40
Alternator Replacement	$451.00
Timing Belt Replacement	$631.40
Car Detailing (Full)	$180.40
Towing (Per Mile)	$4.51 per mile
State Inspection	$27.06
Emissions Test	$45.10
Check Engine Diagnostic	$90.20

Home Services 25 services

Plumber (Per Hour)	$90.20 per hour
Electrician (Per Hour)	$81.18 per hour
HVAC Repair	$360.80
HVAC System Install	$6,314.00
Roof Repair	$902.00
Roof Replacement	$8,118.00
Interior Painting (Avg Home)	$2,255.00
Exterior Painting (Avg Home)	$3,157.00
Pest Control (One-Time)	$180.40
Pest Control (Annual Plan)	$451.00 annual
Carpet Cleaning (3 Rooms)	$157.85
Lawn Mowing (Per Visit)	$45.10 per visit
Lawn Care (Monthly)	$135.30 monthly

Tree Removal	$721.60
Gutter Cleaning	$180.40
Pressure Washing (House)	$270.60
Foundation Repair	$4,510.00
Kitchen Remodel (Mid-Range)	$27,060.00
Bathroom Remodel (Mid-Range)	$10,824.00
Flooring Install	$7.22 per sq ft
Window Replacement	$586.30 per window
Fence Install (Wood)	$27.06 per ft
Garage Door Replacement	$1,082.40
Water Heater Replacement	$1,353.00
Septic Tank Pumping	$360.80

Legal 12 services

Divorce (Uncontested)	$1,353.00
Divorce (Contested)	$13,530.00
DUI Defense	$4,510.00
Bankruptcy (Chapter 7)	$1,353.00
Will Preparation	$451.00
Trust Preparation	$2,255.00

Real Estate Closing	$1,804.00
Traffic Ticket Defense	$270.60
LLC Formation	$451.00
Immigration Consultation	$270.60
Criminal Defense (Misdemeanor)	$2,706.00
Personal Injury (Contingency)	$29.77 % of settlement

Personal Care 12 services

Men's Haircut	$22.55
Women's Haircut	$49.61
Hair Coloring (Full)	$135.30
Manicure	$22.55
Pedicure	$36.08
Massage (1 Hour)	$72.16 per session

Facial Treatment	$90.20
Gym Membership	$45.10 monthly
Personal Trainer (Session)	$63.14 per session
Dry Cleaning (Suit)	$13.53
Laundromat (Per Load)	$3.61 per load
Spa Day Package	$225.50

Food & Grocery 20 services

Gallon of Milk	$3.70 per gallon
Dozen Eggs	$3.16 per dozen
Loaf of Bread	$3.43
Chicken Breast	$4.06 per lb
Ground Beef	$4.96 per lb
Rice	$0.90 per lb
Bananas	$0.59 per lb
Apples	$1.62 per lb
Coffee	$6.77 per lb
Gasoline	$3.16 per gallon

Fast Food Meal	$9.02
Restaurant Meal (Casual)	$16.24
Restaurant Meal (Fine Dining)	$54.12
Pizza Delivery (Large)	$16.24
Coffee (Cafe Latte)	$4.96
Beer (6-Pack Domestic)	$9.02
Wine (750ml, Mid-Range)	$13.53
Cigarettes (Pack)	$7.67 per pack
Baby Formula (Can)	$22.55
Dog Food (Monthly)	$45.10 monthly

Utilities 8 services

Electricity (Monthly)	$126.28 monthly
Natural Gas (Monthly)	$63.14 monthly
Water/Sewer (Monthly)	$63.14 monthly
Internet (Monthly)	$63.14 monthly

Cell Phone Plan (Monthly)	$58.63 monthly
Cable TV (Monthly)	$76.67 monthly
Trash Collection (Monthly)	$31.57 monthly
Home Insurance (Annual)	$1,804.00 annual

Transportation 8 services

Monthly Parking (Downtown)	$180.40 monthly
Car Insurance (Annual)	$1,804.00 annual
Bus Pass (Monthly)	$63.14 monthly
Taxi/Uber (5-Mile Ride)	$13.53

Car Registration (Annual)	$90.20 annual
Driver's License Renewal	$27.06
Tolls (Monthly Commuter)	$45.10 monthly
Vehicle Property Tax (Annual)	$360.80 annual

Education & Childcare 8 services

Daycare (Infant, Monthly)	$1,082.40 monthly
Daycare (Toddler, Monthly)	$902.00 monthly
After-School Care (Monthly)	$360.80 monthly
Tutoring (Per Hour)	$45.10 per hour

SAT/ACT Prep Course	$902.00
Private School (K-12, Annual)	$11,275.00 annual
Community College (Annual)	$3,608.00 annual
State University (Annual)	$9,020.00 annual

Pets 9 services

Vet Visit (Routine Checkup)	$54.12
Dog Vaccination (Annual)	$90.20 annual
Dog Grooming	$54.12
Pet Boarding (Per Night)	$36.08 per night
Dog Spay/Neuter	$270.60

Cat Spay/Neuter	$180.40
Pet Emergency Visit	$721.60
Dental Cleaning (Dog)	$360.80
Microchipping	$45.10

Complete Cost Data

Housing Costs

Cost of Living Index	90.2
Rent Burden	29.1%
Property Tax (IRS)	$2,405
FMR Studio	$719
FMR 1-Bedroom	$794
FMR 2-Bedroom	$984
FMR 3-Bedroom	$1,277
FMR 4-Bedroom	$1,442

Childcare (Monthly)

Infant (Center)	$465
Toddler (Center)	$464
Preschool (Center)	$464
Infant (Family)	$344
Toddler (Family)	$351
Preschool (Family)	$351

Income Context

Per Capita Income	$13,790
IRS Avg AGI	$55,659