Middle Class Affordability Rankings™ - State of Kentucky

Most Affordable Colleges for Kentucky Residents for 2026

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Which colleges are most affordable for Kentucky residents ? The answer may surprise you.
These rankings of the most affordable colleges for Kentucky residents are based on the estimated net price for a "typical" middle class family living in the state of Kentucky.
Note: Net price is the actual cost of the school paid by the student and family, after factoring in merit and grant aid from the college federal programs and work study.The net prices displayed in these rankings are College Raptor's estimates.

“Typical” middle class family values used in the Net Price estimates on this page are:

Number of people in family: 4
Number of students in college: 1
Total income: $80,000
Total assets: $50,000

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Kentucky

Rank	Institution	Typical Net Price	Sticker Price	% Savings	Undergraduates	Est. Median SAT	Acceptance Rate	Save
1	Kentucky State University	9300	17500	0.4648	1,793	865	0.9608	#1 #1 Middle Class Affordability Rankings Kentucky State University Frankfort, KY Typical Net Price $9,300 • Sign in to see your Estimated Net Price Sticker Price $17,500 % Savings 46% Undergraduates 1,793 Est. Median SAT 865 Acceptance Rate 96.1 %
2	Georgetown College	11300	60500	0.8131	1,111	1120	0.9106	#2 #2 Middle Class Affordability Rankings Georgetown College Georgetown, KY Typical Net Price $11,300 • Sign in to see your Estimated Net Price Sticker Price $60,500 % Savings 81% Undergraduates 1,111 Est. Median SAT 1,120 Acceptance Rate 91.1 %
3	Eastern Kentucky University	12200	22900	0.4688	13,448	1110	0.7761	#3 #3 Middle Class Affordability Rankings Eastern Kentucky University Richmond, KY Typical Net Price $12,200 • Sign in to see your Estimated Net Price Sticker Price $22,900 % Savings 47% Undergraduates 13,448 Est. Median SAT 1,110 Acceptance Rate 77.6 %
4	Western Kentucky University	12700	27000	0.5318	14,151	970	0.9387	#4 #4 Middle Class Affordability Rankings Western Kentucky University Bowling Green, KY Typical Net Price $12,700 • Sign in to see your Estimated Net Price Sticker Price $27,000 % Savings 53% Undergraduates 14,151 Est. Median SAT 970 Acceptance Rate 93.9 %
5	University of the Cumberlands	13700	26400	0.4794	7,612	1025	0.9881	#5 #5 Middle Class Affordability Rankings University of the Cumberlands Williamsburg, KY Typical Net Price $13,700 • Sign in to see your Estimated Net Price Sticker Price $26,400 % Savings 48% Undergraduates 7,612 Est. Median SAT 1,025 Acceptance Rate 98.8 %
6	Northern Kentucky University	14700	25900	0.4338	10,163	1090	0.6765	#6 #6 Middle Class Affordability Rankings Northern Kentucky University Highland Heights, KY Typical Net Price $14,700 • Sign in to see your Estimated Net Price Sticker Price $25,900 % Savings 43% Undergraduates 10,163 Est. Median SAT 1,090 Acceptance Rate 67.7 %
7	Brescia University	15200	57000	0.7338	560	1090	0.3524	#7 #7 Middle Class Affordability Rankings Brescia University Owensboro, KY Typical Net Price $15,200 • Sign in to see your Estimated Net Price Sticker Price $57,000 % Savings 73% Undergraduates 560 Est. Median SAT 1,090 Acceptance Rate 35.2 %
8	Murray State University	15500	27000	0.4245	7,851	1115	0.8568	#8 #8 Middle Class Affordability Rankings Murray State University Murray, KY Typical Net Price $15,500 • Sign in to see your Estimated Net Price Sticker Price $27,000 % Savings 42% Undergraduates 7,851 Est. Median SAT 1,115 Acceptance Rate 85.7 %
9	Bellarmine University	15600	66100	0.7641	2,240	1220	0.8611	#9 #9 Middle Class Affordability Rankings Bellarmine University Louisville, KY Typical Net Price $15,600 • Sign in to see your Estimated Net Price Sticker Price $66,100 % Savings 76% Undergraduates 2,240 Est. Median SAT 1,220 Acceptance Rate 86.1 %
10	Asbury University	16000	49100	0.6734	1,789	1197	0.634	#10 #10 Middle Class Affordability Rankings Asbury University Wilmore, KY Typical Net Price $16,000 • Sign in to see your Estimated Net Price Sticker Price $49,100 % Savings 67% Undergraduates 1,789 Est. Median SAT 1,197 Acceptance Rate 63.4 %
11	Morehead State University	16800	28100	0.4008	8,258	1140	0.7721	#11 #11 Middle Class Affordability Rankings Morehead State University Morehead, KY Typical Net Price $16,800 • Sign in to see your Estimated Net Price Sticker Price $28,100 % Savings 40% Undergraduates 8,258 Est. Median SAT 1,140 Acceptance Rate 77.2 %
12	Lindsey Wilson College	17300	45800	0.6212	1,722	0	0	#12 #12 Middle Class Affordability Rankings Lindsey Wilson College Columbia, KY Typical Net Price $17,300 • Sign in to see your Estimated Net Price Sticker Price $45,800 % Savings 62% Undergraduates 1,722 Est. Median SAT -- Acceptance Rate --
13	Simmons College of Kentucky	17500	30200	0.4211	504	805	1	#13 #13 Middle Class Affordability Rankings Simmons College of Kentucky Louisville, KY Typical Net Price $17,500 • Sign in to see your Estimated Net Price Sticker Price $30,200 % Savings 42% Undergraduates 504 Est. Median SAT 805 Acceptance Rate 100.0 %
14	Centre College	18000	70200	0.744	1,404	1314	0.5436	#14 #14 Middle Class Affordability Rankings Centre College Danville, KY Typical Net Price $18,000 • Sign in to see your Estimated Net Price Sticker Price $70,200 % Savings 74% Undergraduates 1,404 Est. Median SAT 1,314 Acceptance Rate 54.4 %
15	Alice Lloyd College	18200	33200	0.4511	589	1000	0.7523	#15 #15 Middle Class Affordability Rankings Alice Lloyd College Pippa Passes, KY Typical Net Price $18,200 • Sign in to see your Estimated Net Price Sticker Price $33,200 % Savings 45% Undergraduates 589 Est. Median SAT 1,000 Acceptance Rate 75.2 %
16	Kentucky Wesleyan College	18300	56200	0.6739	887	1015	0.716	#16 #16 Middle Class Affordability Rankings Kentucky Wesleyan College Owensboro, KY Typical Net Price $18,300 • Sign in to see your Estimated Net Price Sticker Price $56,200 % Savings 67% Undergraduates 887 Est. Median SAT 1,015 Acceptance Rate 71.6 %
16	University of Louisville	18300	29100	0.3715	17,086	1148	0.7941	#16 #16 Middle Class Affordability Rankings University of Louisville Louisville, KY Typical Net Price $18,300 • Sign in to see your Estimated Net Price Sticker Price $29,100 % Savings 37% Undergraduates 17,086 Est. Median SAT 1,148 Acceptance Rate 79.4 %
18	Campbellsville University	19400	40800	0.5249	6,848	1075	0.7974	#18 #18 Middle Class Affordability Rankings Campbellsville University Campbellsville, KY Typical Net Price $19,400 • Sign in to see your Estimated Net Price Sticker Price $40,800 % Savings 52% Undergraduates 6,848 Est. Median SAT 1,075 Acceptance Rate 79.7 %
19	Union Commonwealth University	20300	90400	0.7751	775	980	0.6315	#19 #19 Middle Class Affordability Rankings Union Commonwealth University Barbourville, KY Typical Net Price $20,300 • Sign in to see your Estimated Net Price Sticker Price $90,400 % Savings 78% Undergraduates 775 Est. Median SAT 980 Acceptance Rate 63.2 %
20	Spalding University	23000	54800	0.58	718	980	0.9945	#20 #20 Middle Class Affordability Rankings Spalding University Louisville, KY Typical Net Price $23,000 • Sign in to see your Estimated Net Price Sticker Price $54,800 % Savings 58% Undergraduates 718 Est. Median SAT 980 Acceptance Rate 99.5 %
21	Thomas More University	23300	61800	0.6231	2,126	1180	0.9035	#21 #21 Middle Class Affordability Rankings Thomas More University Crestview Hills, KY Typical Net Price $23,300 • Sign in to see your Estimated Net Price Sticker Price $61,800 % Savings 62% Undergraduates 2,126 Est. Median SAT 1,180 Acceptance Rate 90.4 %
22	Kentucky Christian University	24200	47900	0.4941	494	1075	0.6091	#22 #22 Middle Class Affordability Rankings Kentucky Christian University Grayson, KY Typical Net Price $24,200 • Sign in to see your Estimated Net Price Sticker Price $47,900 % Savings 49% Undergraduates 494 Est. Median SAT 1,075 Acceptance Rate 60.9 %
23	University of Pikeville	25300	34800	0.2709	1,540	1055	1	#23 #23 Middle Class Affordability Rankings University of Pikeville Pikeville, KY Typical Net Price $25,300 • Sign in to see your Estimated Net Price Sticker Price $34,800 % Savings 27% Undergraduates 1,540 Est. Median SAT 1,055 Acceptance Rate 100.0 %
24	Midway University	30700	50900	0.398	1,752	1130	0.9514	#24 #24 Middle Class Affordability Rankings Midway University Midway, KY Typical Net Price $30,700 • Sign in to see your Estimated Net Price Sticker Price $50,900 % Savings 40% Undergraduates 1,752 Est. Median SAT 1,130 Acceptance Rate 95.1 %
25	University of Kentucky	31400	36400	0.1379	25,534	1193	0.9294	#25 #25 Middle Class Affordability Rankings University of Kentucky Lexington, KY Typical Net Price $31,400 • Sign in to see your Estimated Net Price Sticker Price $36,400 % Savings 14% Undergraduates 25,534 Est. Median SAT 1,193 Acceptance Rate 92.9 %
26	Transylvania University	33000	63500	0.4804	1,006	1277	0.8655	#26 #26 Middle Class Affordability Rankings Transylvania University Lexington, KY Typical Net Price $33,000 • Sign in to see your Estimated Net Price Sticker Price $63,500 % Savings 48% Undergraduates 1,006 Est. Median SAT 1,277 Acceptance Rate 86.6 %
27	Berea College	68600	68700	0.0005	1,527	1235	0.1934	#27 #27 Middle Class Affordability Rankings Berea College Berea, KY Typical Net Price $68,600 • Sign in to see your Estimated Net Price Sticker Price $68,700 % Savings 0% Undergraduates 1,527 Est. Median SAT 1,235 Acceptance Rate 19.3 %