Median Income
$59,028
21% lower than US avg
Home Value
$178,300
37% lower than US avg
Violent Crime
177/100K
53% lower than US avg
Bachelor's+
9.9%
71% lower than US avg
Median Rent
$775
33% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
2.6%
28% lower than US avg
Poverty Rate
8.7%
30% lower than US avg
How Loretto Compares to the U.S. Average (100% = U.S. avg)
People
Population730
Median Age42.0 yrs
Density228/mi²
Male / Female50% / 50%
Largest GroupWhite 98%
Veterans6.2%
Economy
B+
Median Income$59,028
Per Capita$36,236
Unemployment2.6%
Poverty8.7%
County GDP$1,276M
Commute31 min
Housing
A+
Home Value$178,300
Rent$775
Ownership94.0%
Zillow$235,817
Housing Units337
Rent Burden23.8%
Crime
F
Violent177/100K
Property1,822/100K
Health
Obesity34.5%
Smoking23.3%
Heart Disease7.0%
Climate
Avg Temp57°F (14°C)
AQI41 (Good)
Rain51.6 in/yr
Sunny Days299/yr
Elevation733 ft (223 m)
Education
D
Bachelor's+9.9%
High School+87.3%
Graduate+3.0%
School Score5.86
Community
2024 VoteR 71% / D 28%
Commute31 min
Broadband88.4%
EV Stations2
Libraries2
Is Loretto a Good Place to Live?
Based on current data, Loretto receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Loretto has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Loretto is $59,028, 21% below the national average of $75,149. The job market is very strong with unemployment at just 2.6%. 8.7% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Loretto is $178,300, 37% below the national median / offering relatively affordable homeownership. Renters pay a median of $775 per month, below the national average / a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Loretto is below the national average at 177 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,822 per 100,000, near the national average.
Education
9.9% of residents hold a bachelor's degree, below the national average of 33.7%. 87.3% have completed high school. Area schools have an average test score of 5.9/10.
Climate & Weather
Loretto enjoys a moderate climate with an average annual temperature of 57°F. Winters average 35°F in January while summers reach 77°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.6 inches, including 11.9 inches of snow. Air quality is rated Good with a median AQI of 41.
Loretto has a population of 730 with a density of 228 people per square mile, spread across 3.2 square miles. The median age is 42.0 years, 8% older than the national median of 38.9. The gender split is 50% female and 50% male. The city is predominantly White (97.5%). English is the primary language spoken at home by 100% of residents. 6.2% of the population are veterans. 17.5% of residents have a disability (above the 13.0% national average). 96.9% have health insurance coverage.
Population
42.0yrs
Median Age
8% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Loretto is $59,028, which is 21% below the national average of $75,149. Per capita income is $36,236. The average weekly wage is $964, 33% lower than the U.S. average. The unemployment rate is 2.6% (below the 3.6% US average). 8.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 534 business establishments, including 28 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 1.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $59,028 |
| 21% below US avg |
| Per Capita Income | $36,236 |
| Avg Weekly Wage | $964 |
| IRS Avg AGI | $56,465 |
| Gini Index | 0.418 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.6% |
| 28% below US avg |
| Poverty Rate | 8.7% |
| 30% below US avg |
| Establishments (County) | 534 |
| County GDP | $1,276M |
Business (County)
| Restaurants | 28 |
| Healthcare | 47 |
| Retail | 63 |
| Manufacturing | 34 |
Tax & Cost of Living
| Property Tax (IRS) | $2,531 |
| 28% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 1.42% |
Commute & Transportation
| Commute Time | 30.9 min |
| Drive Alone | 92.1% |
| Public Transit | 0.0% |
| Work from Home | 1.0% |
The median home value in Loretto is $178,300, 37% below the national median of $281,900. Zillow estimates the typical home value at $235,817, higher than the Census estimate. Monthly rent averages $775 (33% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 94.0% of housing units are owner-occupied (above the 65.4% national rate). There are 337 total housing units in the city. The median year a home was built is 1972. The average annual property tax is $2,531 (lower than the $3,500 national average). 23.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $178,300 |
| 37% below US avg |
| Zillow ZHVI | $235,817 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $775 |
| 33% below US avg |
| Rent Burden | 23.8% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 94.0% |
| Owner-Occupied | 94.0% |
| Renter-Occupied | 6.0% |
| Housing Units | 337 |
| Median Year Built | 1972 |
Property Tax
| Avg Tax (IRS) | $2,531 |
| 28% below US avg |
| Effective Rate | 1.42% |
In Loretto, 34.5% of adults are obese, above the national rate of 32.1%. 11.5% have diabetes. Heart disease affects 7.0% of residents, above the national average. 38.0% have high blood pressure. 23.3% are current smokers (above the 14.0% national rate). 18.6% report binge drinking. 33.1% are physically inactive, above the national average. 14.9% experience frequent mental distress. The primary care physician ratio is 1:1,973. The dentist ratio is 1:3,296. 47.1% of residents have access to exercise opportunities. The food environment index is 6.8 out of 10.
Health Metrics: Loretto vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
| Diabetes | 11.5% |
| Heart Disease | 7.0% |
| High Blood Pressure | 38.0% |
| Asthma | 10.8% |
| COPD | 9.3% |
| Cancer | 6.4% |
| Kidney Disease | 3.2% |
| Stroke | 3.6% |
Behaviors & Mental Health
| Smoking | 23.3% |
| 66% above US avg |
| Binge Drinking | 18.6% |
| Physical Inactivity | 33.1% |
| Mental Distress | 14.9% |
| Physical Distress | 15.1% |
| Short Sleep | 38.0% |
Healthcare Access
| Insurance Rate | 96.9% |
| |
| Primary Care | 1:1,973 |
| Dentists | 1:3,296 |
| Mental Health | 1:472 |
| Checkup Rate | 75.3% |
| Dental Visits | 62.7% |
| Premature Death | 12,581/100K |
Food & Exercise
| Food Environment | 6.8/10 |
| Exercise Access | 47.1% |
| Healthcare Facilities | 47 |
Loretto has a violent crime rate of 177 per 100,000 residents, 53% below the national average of 380. Property crime stands at 1,822 per 100,000, 7% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Loretto receives a safety grade of F.
Crime Rates: Loretto vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 176.9/100K |
| 53% below US avg |
| |
Property Crime
| Total Property | 1,822.0/100K |
| 7% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Loretto enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 35°F in January while summers reach 77°F in July. The area gets 299 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.6 inches (wetter than the 38-inch national average). The area receives 11.9 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 733 feet.
Temperature
35°F Jan (2°C)
77°F Jul (25°C)
| Annual Average | 56.8°F |
| 5% above US avg |
| January Average | 35°F (2°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 733 ft (223 m) |
| Area | 3.2 sq mi (8.3 km²) |
| Population Density | 228/sq mi |
| Coordinates | 37.6420°N, 85.3931°W |
| Timezone | America/New_York |
| County | Marion County County |
| Nearest Airport | Louisville Muhammad Ali International (SDF)
41 miles away |
Precipitation & Snow
Annual Rainfall
51.6"
36% above US avg
Wettest Month (May)
5.12"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 30.2 / 100 |
| Social Vulnerability | 51.6 / 100 |
| Community Resilience | 61.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
15 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.9. Most recent: M2.8 on May 11, 2025.
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
111 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
109 km |
| Sep 17, 2004 |
8 km ESE of Corbin, Kentucky |
M3.7 |
146 km |
| Jan 27, 2009 |
4 km NE of Williamsburg, Kentucky |
M3.2 |
148 km |
| Aug 20, 2015 |
6 km SE of Lawrenceburg, Kentucky |
M2.8 |
63 km |
| May 11, 2025 |
11 km SE of High Bridge, Kentucky |
M2.8 |
70 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
89 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
60 km |
| Jan 12, 2023 |
4 km E of Burgin, Kentucky |
M2.6 |
61 km |
| Aug 4, 2023 |
11 km ENE of Lancaster, Kentucky |
M2.6 |
81 km |
| Mar 22, 1990 |
9 km E of Rochester, Kentucky |
M2.6 |
133 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
130 km |
| Jan 21, 2018 |
8 km SSE of High Bridge, Kentucky |
M2.6 |
66 km |
| Mar 8, 1990 |
4 km SW of Oak Grove, Kentucky |
M2.5 |
128 km |
| Jan 4, 1999 |
9 km WNW of Mount Sterling, Kentucky |
M2.5 |
128 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
449 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 37 fatalities, 1,230 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 28, 1996 |
EF4 |
65 km |
0 |
| Apr 3, 1974 |
EF4 |
45 km |
3 |
| Apr 3, 1974 |
EF4 |
54 km |
4 |
| Apr 3, 1974 |
EF4 |
70 km |
3 |
| Apr 3, 1974 |
EF4 |
79 km |
7 |
| Apr 3, 1974 |
EF4 |
47 km |
0 |
| Apr 27, 1971 |
EF4 |
55 km |
6 |
| Apr 27, 1971 |
EF4 |
69 km |
2 |
| Dec 11, 2021 |
EF3 |
26 km |
1 |
| Feb 28, 2011 |
EF3 |
81 km |
0 |
| May 8, 2009 |
EF3 |
81 km |
2 |
| Oct 18, 2007 |
EF3 |
93 km |
0 |
| May 27, 2004 |
EF3 |
90 km |
0 |
| May 23, 2000 |
EF3 |
81 km |
0 |
| Apr 16, 1998 |
EF3 |
58 km |
0 |
| Mar 28, 1997 |
EF3 |
90 km |
0 |
| Mar 28, 1997 |
EF3 |
42 km |
0 |
| Mar 28, 1997 |
EF3 |
56 km |
1 |
| Jun 2, 1990 |
EF3 |
95 km |
0 |
| Jun 2, 1990 |
EF3 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
14 wildfires (100+ acres) within 100 km.
Largest: FLOATING MILL HOLLOW (2,422 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
FLOATING MILL HOLLOW |
2,422 |
78 km |
| 2008 |
BROOKS KNOB |
2,225 |
88 km |
| 2012 |
FY2012 CRYSTAL CAVE BROADCAST BURN |
2,221 |
76 km |
| 2010 |
JOPPA CHURCH |
2,037 |
84 km |
| 2004 |
JIM LEE |
1,770 |
82 km |
| 2009 |
TEMPLE HILL |
1,628 |
87 km |
| 2009 |
JIM LEE |
1,613 |
82 km |
| 2007 |
Big Woods |
1,500 |
74 km |
| 2008 |
GOBLIN KNOB |
1,445 |
76 km |
| 2000 |
UNNAMED |
1,083 |
84 km |
| 2001 |
UNNAMED |
848 |
89 km |
| 2007 |
DENNISON FERRY RX |
655 |
74 km |
| 2000 |
UNNAMED |
641 |
88 km |
| 2005 |
UNNAMED |
576 |
76 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
35°F (2°C) |
3.5 in |
Coldest |
| February |
38°F (3°C) |
3.9 in |
|
| March |
47°F (8°C) |
4.8 in |
|
| April |
56°F (13°C) |
4.5 in |
|
| May |
64°F (18°C) |
5.1 in |
Wettest |
| June |
72°F (22°C) |
4.1 in |
|
| July |
77°F (25°C) |
5.0 in |
Warmest |
| August |
75°F (24°C) |
3.8 in |
|
| September |
69°F (20°C) |
3.9 in |
|
| October |
57°F (14°C) |
3.0 in |
Driest |
| November |
47°F (8°C) |
4.1 in |
|
| December |
38°F (3°C) |
4.6 in |
|
Loretto has a seasonal temperature swing of 42°F / from 35°F in January to 77°F in July. Total annual precipitation is 50.4 inches, with May being the wettest month (5.1") and October the driest (3.0").
Average costs for common services in Loretto. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $732 |
| Toddler | $644 |
| Preschool | $644 |
| Family Childcare (monthly) |
| Infant | $564 |
| Toddler | $540 |
| Preschool | $540 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Loretto
What is the population of Loretto?
Loretto has a population of 730 residents and is located in Kentucky. The population density is 228 people per square mile, spread across 3.2 square miles. The median age of residents is 42.0 years, which is older than the national median of 38.9 years. The population is 50% female and 50% male.
Is Loretto expensive to live in?
Loretto is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $59,028, 21% below the national average of $75,149. The median home value is $178,300 (37% below the U.S. median). Renters pay a median of $775 per month, below the national average of $1,163. The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
Is Loretto safe?
Loretto is safer than the national average, with a violent crime rate of 177 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,822 per 100,000 (below the national average). Overall, Loretto receives a safety grade of F based on combined crime data.
What is the weather like in Loretto?
Loretto enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 35°F in January, while summers reach an average of 77°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 51.6 inches, with 11.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Loretto?
The job market in Loretto is very strong, with unemployment at just 2.6% / well below the national rate of 3.6%. The average weekly wage is $964. There are 534 business establishments in the area, including 28 restaurants and food service locations. The average commute time is 31 minutes, and 1.0% of workers work from home.
How much does housing cost in Loretto?
The median home value in Loretto is $178,300. Zillow estimates the typical home value at $235,817. For renters, the median monthly rent is $775. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 94.0%. The average annual property tax is $2,531.
How are the schools in Loretto?
Schools in Loretto score 5.9 out of 10 on standardized testing, near the national average. 9.9% of adults in Loretto hold a bachelor's degree or higher, below the national average of 33.7%. 87.3% have completed high school. 3.0% hold a graduate or professional degree.
How healthy is Loretto?
The obesity rate in Loretto is 34.5% (above the national rate of 32.1%). 23.3% of adults are smokers. 33.1% are physically inactive. 47.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,973.
What is transportation like in Loretto?
The average commute in Loretto is 31 minutes, longer than the national average of 28 minutes. 92.1% of workers drive alone to work, and 1.0% work from home.
What are the demographics of Loretto?
The racial and ethnic makeup of Loretto is 97.5% White, 1% Black or African American. 100% of residents speak only English at home. 6.2% of the population are military veterans. 17.5% of residents have a disability. 96.9% have health insurance coverage.
All Countries
