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	Northern Kentucky University	7300	25900	0.7195	10,163	1090	0.8307	#1 #1 Middle Class Affordability Rankings Northern Kentucky University Highland Heights, KY Typical Net Price $7,300 • Sign in to see your Estimated Net Price Sticker Price $25,900 % Savings 72% Undergraduates 10,163 Est. Median SAT 1,090 Acceptance Rate 83.1 %
2	Kentucky State University	9800	17500	0.4361	1,546	925	0.9251	#2 #2 Middle Class Affordability Rankings Kentucky State University Frankfort, KY Typical Net Price $9,800 • Sign in to see your Estimated Net Price Sticker Price $17,500 % Savings 44% Undergraduates 1,546 Est. Median SAT 925 Acceptance Rate 92.5 %
3	Eastern Kentucky University	10000	22900	0.5649	12,726	1055	0.9695	#3 #3 Middle Class Affordability Rankings Eastern Kentucky University Richmond, KY Typical Net Price $10,000 • Sign in to see your Estimated Net Price Sticker Price $22,900 % Savings 56% Undergraduates 12,726 Est. Median SAT 1,055 Acceptance Rate 97.0 %
4	Georgetown College	10600	75600	0.8599	1,111	1060	0.9106	#4 #4 Middle Class Affordability Rankings Georgetown College Georgetown, KY Typical Net Price $10,600 • Sign in to see your Estimated Net Price Sticker Price $75,600 % Savings 86% Undergraduates 1,111 Est. Median SAT 1,060 Acceptance Rate 91.1 %
5	University of the Cumberlands	12600	26400	0.5208	6,091	1110	0.7139	#5 #5 Middle Class Affordability Rankings University of the Cumberlands Williamsburg, KY Typical Net Price $12,600 • Sign in to see your Estimated Net Price Sticker Price $26,400 % Savings 52% Undergraduates 6,091 Est. Median SAT 1,110 Acceptance Rate 71.4 %
6	Lindsey Wilson College	13100	60500	0.7828	1,738	1035	0	#6 #6 Middle Class Affordability Rankings Lindsey Wilson College Columbia, KY Typical Net Price $13,100 • Sign in to see your Estimated Net Price Sticker Price $60,500 % Savings 78% Undergraduates 1,738 Est. Median SAT -- Acceptance Rate --
7	Brescia University	14900	62900	0.7626	545	1090	0.3524	#7 #7 Middle Class Affordability Rankings Brescia University Owensboro, KY Typical Net Price $14,900 • Sign in to see your Estimated Net Price Sticker Price $62,900 % Savings 76% Undergraduates 545 Est. Median SAT 1,090 Acceptance Rate 35.2 %
8	Centre College	15200	70200	0.7839	1,356	1330	0.5434	#8 #8 Middle Class Affordability Rankings Centre College Danville, KY Typical Net Price $15,200 • Sign in to see your Estimated Net Price Sticker Price $70,200 % Savings 78% Undergraduates 1,356 Est. Median SAT 1,330 Acceptance Rate 54.3 %
9	Bellarmine University	15600	66100	0.7641	2,240	1130	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 1,130 Acceptance Rate 86.1 %
10	Murray State University	15700	27000	0.4192	8,281	1124	0.8568	#10 #10 Middle Class Affordability Rankings Murray State University Murray, KY Typical Net Price $15,700 • Sign in to see your Estimated Net Price Sticker Price $27,000 % Savings 42% Undergraduates 8,281 Est. Median SAT 1,124 Acceptance Rate 85.7 %
11	Asbury University	16000	49100	0.6734	2,066	1157	0.954	#11 #11 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 2,066 Est. Median SAT 1,157 Acceptance Rate 95.4 %
12	Alice Lloyd College	17400	38000	0.5414	553	985	0.8557	#12 #12 Middle Class Affordability Rankings Alice Lloyd College Pippa Passes, KY Typical Net Price $17,400 • Sign in to see your Estimated Net Price Sticker Price $38,000 % Savings 54% Undergraduates 553 Est. Median SAT 985 Acceptance Rate 85.6 %
13	Western Kentucky University	17500	27000	0.3522	14,151	1090	0.9387	#13 #13 Middle Class Affordability Rankings Western Kentucky University Bowling Green, KY Typical Net Price $17,500 • Sign in to see your Estimated Net Price Sticker Price $27,000 % Savings 35% Undergraduates 14,151 Est. Median SAT 1,090 Acceptance Rate 93.9 %
14	Morehead State University	18000	28100	0.358	8,258	1140	0.7721	#14 #14 Middle Class Affordability Rankings Morehead State University Morehead, KY Typical Net Price $18,000 • Sign in to see your Estimated Net Price Sticker Price $28,100 % Savings 36% Undergraduates 8,258 Est. Median SAT 1,140 Acceptance Rate 77.2 %
15	Campbellsville University	18100	40800	0.5568	6,853	1055	0.9833	#15 #15 Middle Class Affordability Rankings Campbellsville University Campbellsville, KY Typical Net Price $18,100 • Sign in to see your Estimated Net Price Sticker Price $40,800 % Savings 56% Undergraduates 6,853 Est. Median SAT 1,055 Acceptance Rate 98.3 %
16	University of Louisville	18200	29100	0.3749	17,086	1148	0.7941	#16 #16 Middle Class Affordability Rankings University of Louisville Louisville, KY Typical Net Price $18,200 • 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 %
17	Kentucky Wesleyan College	18500	56200	0.6717	834	961	0.6705	#17 #17 Middle Class Affordability Rankings Kentucky Wesleyan College Owensboro, KY Typical Net Price $18,500 • Sign in to see your Estimated Net Price Sticker Price $56,200 % Savings 67% Undergraduates 834 Est. Median SAT 961 Acceptance Rate 67.1 %
18	Kentucky Christian University	20500	54700	0.6262	503	1055	0.6238	#18 #18 Middle Class Affordability Rankings Kentucky Christian University Grayson, KY Typical Net Price $20,500 • Sign in to see your Estimated Net Price Sticker Price $54,700 % Savings 63% Undergraduates 503 Est. Median SAT 1,055 Acceptance Rate 62.4 %
18	Thomas More University	20500	66800	0.6935	1,823	1154	0.9703	#18 #18 Middle Class Affordability Rankings Thomas More University Crestview Hills, KY Typical Net Price $20,500 • Sign in to see your Estimated Net Price Sticker Price $66,800 % Savings 69% Undergraduates 1,823 Est. Median SAT 1,154 Acceptance Rate 97.0 %
20	Spalding University	23400	58800	0.6024	734	1000	0.9864	#20 #20 Middle Class Affordability Rankings Spalding University Louisville, KY Typical Net Price $23,400 • Sign in to see your Estimated Net Price Sticker Price $58,800 % Savings 60% Undergraduates 734 Est. Median SAT 1,000 Acceptance Rate 98.6 %
21	University of Pikeville	25300	34800	0.2708	1,353	1055	0.8808	#21 #21 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 1,353 Est. Median SAT 1,055 Acceptance Rate 88.1 %
22	Union Commonwealth University	27700	90400	0.6932	737	960	0.5504	#22 #22 Middle Class Affordability Rankings Union Commonwealth University Barbourville, KY Typical Net Price $27,700 • Sign in to see your Estimated Net Price Sticker Price $90,400 % Savings 69% Undergraduates 737 Est. Median SAT 960 Acceptance Rate 55.0 %
23	Midway University	30800	50900	0.3951	1,743	1130	0.9514	#23 #23 Middle Class Affordability Rankings Midway University Midway, KY Typical Net Price $30,800 • Sign in to see your Estimated Net Price Sticker Price $50,900 % Savings 40% Undergraduates 1,743 Est. Median SAT 1,130 Acceptance Rate 95.1 %
24	University of Kentucky	31100	36100	0.1392	25,535	1193	0.9294	#24 #24 Middle Class Affordability Rankings University of Kentucky Lexington, KY Typical Net Price $31,100 • Sign in to see your Estimated Net Price Sticker Price $36,100 % Savings 14% Undergraduates 25,535 Est. Median SAT 1,193 Acceptance Rate 92.9 %
25	Transylvania University	33400	63500	0.4741	1,006	1277	0.8655	#25 #25 Middle Class Affordability Rankings Transylvania University Lexington, KY Typical Net Price $33,400 • Sign in to see your Estimated Net Price Sticker Price $63,500 % Savings 47% Undergraduates 1,006 Est. Median SAT 1,277 Acceptance Rate 86.6 %
26	Berea College	68600	68700	0.0005	1,527	1235	0.1934	#26 #26 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 %