CitytisticsShortlist

Cost of living, pay and housing

38.25° N · 85.64° W · GEOID 2167944

St. Matthews

Jefferson County, Kentucky · part of the Louisville/Jefferson County, KY metro

KentuckySt. Matthews, KYSt. MatthewsSt. Matthews

The short answer

St. Matthews is home to 17,577 people. Median household income is $82,412 a year and median rent is $1,369 a month, 19.9% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $338,000, about 4.1x annual median household income.

St. Matthews has an unusual mix of residents. Households average 1.96 people, smaller than than in 97% of places its size. It is the 3rd-lowest of 85 Kentucky places we track. Also notable: Counting remote workers as zero, the average worker spends about 125 hours a year commuting, less than in 87% of places its size.

70OF 100

CTXCitytistics Index

Above average

St. Matthews scores better than 70% of the 6,612 places we rate, and ranks 29th of 85 in Kentucky.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%48
Economy 20%63
Safety 20%31
Amenities 15%57
Education 10%88
Commute 10%83
Growth 5%67
Median gross rent
$1,369
0% above the median place
Median household income
$82,412
3% above the median place
Median home value
$338,000
6% above the median place
Unemployment
3.8%
22% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

01

Moving to St. Matthews

Jefferson County loses about 6.6 residents per 1,000 a year to moves between counties.

Moved in24,637
Moved out28,643
Net−4,006

Where people come from and where they go, top counties

Bullitt County, KY1,9502,795−845
Oldham County, KY1,2921,896−604
Clark County, IN1,0631,731−668
Shelby County, KY6481,038−390
Floyd County, IN6091,054−445

Within Kentucky, other states or abroad

Arrivals
Leavers
Within KentuckyOther statesAbroad

Income per tax return

Arrivals$60K
Leavers$75K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Jefferson County; flows under 20 returns are not published.

Who moves here
7.2% of residents arrived from another county in the past year, 3.1% from another state.
Who arrives and who leaves
Households moving into Jefferson County report $60,500 a year in income on average; those leaving, $74,700, so leavers earn more than newcomers.
Income you would need
$54,800 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,369 a month; owners with a mortgage pay $1,740 a month including taxes and insurance, on a median home of $338,000.
Getting to work
20 minutes each way on average; 18.1% work from home; 1.5% take transit.
If it is close but not quite
Fort Mitchell, KY matches it on character for less of your income. Compare the two
Moved from another state1
3.1%
58% above the median place
Moved here in the past year1
7.2%
26% above the median place
Net movers per 1,000 people8
-6.6
below the median place (median -0.6)
All 5 moving measures
MeasureSt. MatthewsAmong 6,645 placesVs median
Moved here in the past year17.2%26% above
Moved from another state13.1%58% above
Net movers per 1,000 people8County figure-6.6below (median -0.6)
Income of households moving in8County figure$60,46914% below
Income of households moving out8County figure$74,7326% above
02

What it costs to live here

39% of renter households spend 30% or more of income on rent, a lower share than in 85% of the 2,222 places of 10,000 to 25,000 people we track.

St. Matthews19.9%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$54,760
a year, at the 30% line
Rent to income
19.9%
2% below the median place
Home price to income
4.1x
8% above the median place

Could you afford it?

The median rent would take
20%
comfortably under the 30% line
Left after rent, in US prices
$68,300
a year
Vs the typical household here
Same
as the median household

Uses the median rent in St. Matthews, $1,369 a month, and local prices for everything else (96.0 against a US average of 100). It runs in your browser and stores nothing.

Like St. Matthews, but easier on the budget

Places that match St. Matthews on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Fort Mitchell, KY8814.4% vs 19.9%$7,500Compare
Carnot-Moon, PA8714.5% vs 19.9%$18,000Compare
Los Alamos, NM8411.6% vs 19.9%n/aCompare
St. Joseph, MI8315.4% vs 19.9%$4,900Compare

Moving from somewhere else? Work out the salary you would need in St. Matthews.

Sponsored · exampleMoving to St. Matthews? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
39.0%
23% below the median place
Homeownership1
53.3%
20% below the median place
Median year built1
1969
0% below the median place
All 16 cost and housing measures
MeasureSt. MatthewsAmong 6,645 placesVs median
Median gross rent1$1,3690% above
Rent to income119.9%2% below
Property tax rate10.9%0% above
Home price to income14.1x8% above
Prices vs US average2Metro figure93.18% below
Fair market rent, 2 bedrooms3County figure$1,27621% below
HUD area median income4County figure$99,0008% below
Property tax paid (median)1$3,0786% below
Median home value1$338,0006% above
Home prices, 1-year change5County figure4.0%26% above
Home prices, 5-year change5County figure43.3%16% below
Homeownership153.3%20% below
Renters paying 30%+139.0%23% below
Owner costs with a mortgage1$1,7407% below
Vacant homes16.4%9% below
Median year built119690% below
03

Work and pay

OpenStreetMap shows 9.1 bus and rail stops per square mile, more than in 86% of the 2,301 places of 10,000 to 25,000 people we track.

Mean commute1
20 min
21% below the median place
Income per person1
$55,655
39% above the median place
Unemployment1
3.8%
22% below the median place

More on work and pay, against the typical place

Works from home18.1% +46%
Poverty rate7.2% −33%
Median household income$82,412 +3%
All 10 work and pay measures
MeasureSt. MatthewsAmong 6,645 placesVs median
Median household income1$82,4123% above
Income per person1$55,65539% above
Unemployment13.8%22% below
Average annual pay6County figure$74,42413% above
Pay growth, 1 year6County figure4.4%19% above
Jobs6County figure480,013219% above
Poverty rate17.2%33% below
Mean commute120 min21% below
Works from home118.1%46% above
Commutes by transit1County figure1.5%81% above
04

Who lives here

59% of adults hold a bachelor's degree or higher, a larger share than in 87% of the 2,300 places of 10,000 to 25,000 people we track. It is the 3rd-highest of 85 Kentucky places we track.

Household size1
2.0
22% below the median place
Bachelor's or higher1
58.7%
83% above the median place
No health insurance1
3.8%
41% below the median place

More about who lives here, against the typical place

High school or higher96.3% +4%
Median age36.5 −6%
Born abroad5.6% −37%
Homes with broadband93.2% +1%
All 9 people measures
MeasureSt. MatthewsAmong 6,645 placesVs median
Population117,5772619th largest
Population change since 202071.8%52% above
Median age136.56% below
Bachelor's or higher158.7%83% above
High school or higher196.3%4% above
Household size12.022% below
Born abroad15.6%37% below
No health insurance13.8%41% below
Homes with broadband193.2%1% above
05

Life in St. Matthews

About 0 km of named paths and bike trails are mapped in and around the city, fewer than in 84% of the 2,301 places of 10,000 to 25,000 people we track. It is the lowest of 85 Kentucky places we track.

Founded or incorporated in 1950. 6 sites are on the National Register of Historic Places, 8 of them National Historic Landmarks. Its history on Wikipedia

  • Blankenbaker Station listed 1980
  • Chenoweth House listed 1980
  • Brown, James, House listed 1983
  • Brown, Theodore, House listed 1983
  • Taylor, Zachary, National Cemetery listed 1983
  • Lewis, Dr. John, House listed 1984

Out the door, against the typical place

Parks per 10k residents4.5 −55%
Playgrounds per 10k10.2 +9%
Grocery stores per 10k4.0 +88%
Restaurants, cafes and bars per 10k40.4 3.6×
Libraries per 10k1.1 +31%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi9.1 43.2×

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Abraham Lincoln Birthplace National Historical Park 44 miles
  • Camp Nelson National Monument 65 miles
  • Lincoln Boyhood National Memorial 74 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars22.2 +7%
Shops32.4 +7%
Arts, recreation and fitness4.6 +12%
Doctors' offices and clinics25.8 +28%
Child care centers2.6 +13%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site11
44.1
43% above the median place
Public schools14
174
above the median place (median 9)
Public school students14
95,579
above the median place (median 4,897)
All 18 schools and local life measures
MeasureSt. MatthewsAmong 6,645 placesVs median
Public schools14County figure174above (median 9)
Public school students14County figure95,579above (median 4,897)
Students per teacher14County figure15.40% above
Restaurants and bars per 10k9County figure22.27% above
Shops per 10k9County figure32.47% above
Arts, recreation and fitness per 10k9County figure4.612% above
Doctors' offices and clinics per 10k9County figure25.828% above
Child care centers per 10k9County figure2.613% above
Parks per 10k104.555% below
Playgrounds per 10k1010.29% above
Grocery stores per 10k104.088% above
Restaurants, cafes and bars per 10k1040.4262% above
Libraries per 10k101.131% above
Named paths and bike trails100.0below (median 2.0)
Transit stops per sq mi109.1above (median 0.2)
Nearest National Park Service site1144.143% above
National Park Service sites within 60 miles11150% below
National Register listings12654% below
06

Safety, weather and risk

Violent crime per 100k is 146, 24% below the median place.

Violent crime per 100k
146
24% below the median place
Property crime per 100k
4,612
280% above the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Tornado risk16
99.8
23% above the median place
Natural hazard risk16
98.3
6% above the median place
Annual precipitation15
50.1 in
14% above the median place
All 11 weather and risk measures
MeasureSt. MatthewsAmong 6,645 placesVs median
July average high15County figure87°F1% above
January average low15County figure25°F1% below
Average temperature15County figure57°F3% above
Annual precipitation15County figure50.1 in14% above
Natural hazard risk16County figure98.36% above
Hurricane risk16County figure35.849% below
Tornado risk16County figure99.823% above
Wildfire risk16County figure56.18% below
Heat wave risk16County figure96.98% above
Median air quality index17County figure4914% above
Good air days17County figure51.5%25% below
08

St. Matthews in 2030: where the trends point

If recent trends hold, the median rent will take about 20% of the median income in 2030, about the same as 20% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, St. Matthews does better than 49% of places. Its projected home value growth beats 37%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,369/mo (2024)$1,760/mo$1,440 to $2,140/mo+4.2%
Median household income$82,412 (2024)$105,000$88,500 to $124,000+4.1%
Median home value$338,000 (2024)$481,000$349,000 to $662,000+6.0%
Population17,868 (2025)18,19017,450 to 18,960+0.4%

The median home would be worth 4.6 years of the median income in 2030, against 4.1 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like St. Matthews

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
West Des Moines, IA$1,237$86,594Compare
Durham, NC$1,508$81,619Compare
University City, MO$1,319$80,694Compare
Fitchburg, WI$1,373$86,516Compare
Fitchburg, WIUniversity City, MODurham, NCWest Des Moines, IASt. Matthews, KYSt. MatthewsWest Des MoinesDurhamUniversity CityFitchburgSt. MatthewsWest Des MoinesDurhamUniversity CityFitchburg

Places built like St. Matthews

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how St. Matthews performs against places like it.

PlaceRent to incomeIncome growthPop. change
St. Matthews, KY19.9%5.8%/yr1.8%
Red Bank, TN24.1%8.5%/yr4.2%Compare
Fort Mitchell, KY14.4%5.0%/yr0.6%Compare
Lyndon, KY22.8%2.7%/yr2.2%Compare
Dover, NH20.3%5.8%/yr5.7%Compare
Mission, KS19.0%4.3%/yr1.7%Compare
Marlton, NJ21.8%3.6%/yrn/aCompare

Common questions

Is St. Matthews a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 70 out of 100, better than 70% of the places we rate and 29th of 85 in Kentucky. On cost, space and class size it scores 26 out of 100 for families. See how it ranks with your own weights.

Is St. Matthews expensive to live in?

The median rent takes 19.9% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $338,000.

What salary do you need to live in St. Matthews?

To rent the median home without spending more than 30% of income on rent, a household needs about $54,760 a year. Work it out from your current city.

Is St. Matthews safe?

There were 146 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to St. Matthews?

On income, rent, home value, education and age, the closest matches are West Des Moines, IA, Durham, NC, University City, MO and Fitchburg, WI.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  12. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  13. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  14. Common Core of Data · National Center for Education Statistics · 2024 release
  15. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  16. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  17. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares St. Matthews with places of a similar size, using only figures measured for St. Matthews itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/saint-matthews-kentucky

Citytistics. “St. Matthews, Kentucky.” Data as of 2026-11-14. https://www.citytistics.com/city/saint-matthews-kentucky/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.