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	The Southern Baptist Theological Seminary	5000	28400	0.8235	1,004	1090	0.9689	#1 #1 Middle Class Affordability Rankings The Southern Baptist Theological Seminary Louisville, KY Typical Net Price $5,000 • Sign in to see your Estimated Net Price Sticker Price $28,400 % Savings 82% Undergraduates 1,004 Est. Median SAT 1,090 Acceptance Rate 96.9 %
2	Berea College	8100	103000	0.9209	1,527	1235	0.1934	#2 #2 Middle Class Affordability Rankings Berea College Berea, KY Typical Net Price $8,100 • Sign in to see your Estimated Net Price Sticker Price $103,000 % Savings 92% Undergraduates 1,527 Est. Median SAT 1,235 Acceptance Rate 19.3 %
3	Kentucky State University	9100	17500	0.4762	1,546	925	0.9251	#3 #3 Middle Class Affordability Rankings Kentucky State University Frankfort, KY Typical Net Price $9,100 • Sign in to see your Estimated Net Price Sticker Price $17,500 % Savings 48% Undergraduates 1,546 Est. Median SAT 925 Acceptance Rate 92.5 %
4	Eastern Kentucky University	10200	22900	0.5562	12,726	1055	0.9695	#4 #4 Middle Class Affordability Rankings Eastern Kentucky University Richmond, KY Typical Net Price $10,200 • 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 %
5	University of the Cumberlands	11900	26400	0.5472	6,091	1110	0.7139	#5 #5 Middle Class Affordability Rankings University of the Cumberlands Williamsburg, KY Typical Net Price $11,900 • Sign in to see your Estimated Net Price Sticker Price $26,400 % Savings 55% Undergraduates 6,091 Est. Median SAT 1,110 Acceptance Rate 71.4 %
6	Northern Kentucky University	12300	25900	0.5266	10,162	1090	0.8307	#6 #6 Middle Class Affordability Rankings Northern Kentucky University Highland Heights, KY Typical Net Price $12,300 • Sign in to see your Estimated Net Price Sticker Price $25,900 % Savings 53% Undergraduates 10,162 Est. Median SAT 1,090 Acceptance Rate 83.1 %
7	Centre College	13300	70000	0.8094	1,337	1330	0.5553	#7 #7 Middle Class Affordability Rankings Centre College Danville, KY Typical Net Price $13,300 • Sign in to see your Estimated Net Price Sticker Price $70,000 % Savings 81% Undergraduates 1,337 Est. Median SAT 1,330 Acceptance Rate 55.5 %
8	Lindsey Wilson College	14800	47700	0.6886	1,722	1035	0	#8 #8 Middle Class Affordability Rankings Lindsey Wilson College Columbia, KY Typical Net Price $14,800 • Sign in to see your Estimated Net Price Sticker Price $47,700 % Savings 69% Undergraduates 1,722 Est. Median SAT -- Acceptance Rate --
9	Brescia University	14900	52900	0.719	545	1090	0.3524	#9 #9 Middle Class Affordability Rankings Brescia University Owensboro, KY Typical Net Price $14,900 • Sign in to see your Estimated Net Price Sticker Price $52,900 % Savings 72% Undergraduates 545 Est. Median SAT 1,090 Acceptance Rate 35.2 %
10	Bellarmine University	15600	66100	0.7641	2,203	1130	0.8611	#10 #10 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 2,203 Est. Median SAT 1,130 Acceptance Rate 86.1 %
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	Morehead State University	17100	28000	0.3906	8,258	1120	0.7721	#12 #12 Middle Class Affordability Rankings Morehead State University Morehead, KY Typical Net Price $17,100 • Sign in to see your Estimated Net Price Sticker Price $28,000 % Savings 39% Undergraduates 8,258 Est. Median SAT 1,120 Acceptance Rate 77.2 %
13	Alice Lloyd College	17600	33500	0.4741	553	1055	0.8557	#13 #13 Middle Class Affordability Rankings Alice Lloyd College Pippa Passes, KY Typical Net Price $17,600 • Sign in to see your Estimated Net Price Sticker Price $33,500 % Savings 47% Undergraduates 553 Est. Median SAT 1,055 Acceptance Rate 85.6 %
14	Georgetown College	17700	45800	0.614	1,111	1060	0.9106	#14 #14 Middle Class Affordability Rankings Georgetown College Georgetown, KY Typical Net Price $17,700 • Sign in to see your Estimated Net Price Sticker Price $45,800 % Savings 61% Undergraduates 1,111 Est. Median SAT 1,060 Acceptance Rate 91.1 %
15	University of Louisville	18100	29100	0.3784	17,086	1148	0.7941	#15 #15 Middle Class Affordability Rankings University of Louisville Louisville, KY Typical Net Price $18,100 • Sign in to see your Estimated Net Price Sticker Price $29,100 % Savings 38% Undergraduates 17,086 Est. Median SAT 1,148 Acceptance Rate 79.4 %
16	Campbellsville University	18300	40800	0.5519	6,411	1055	0.7235	#16 #16 Middle Class Affordability Rankings Campbellsville University Campbellsville, KY Typical Net Price $18,300 • Sign in to see your Estimated Net Price Sticker Price $40,800 % Savings 55% Undergraduates 6,411 Est. Median SAT 1,055 Acceptance Rate 72.4 %
17	Kentucky Christian University	19000	43100	0.5601	503	1020	0.6238	#17 #17 Middle Class Affordability Rankings Kentucky Christian University Grayson, KY Typical Net Price $19,000 • Sign in to see your Estimated Net Price Sticker Price $43,100 % Savings 56% Undergraduates 503 Est. Median SAT 1,020 Acceptance Rate 62.4 %
18	Western Kentucky University	19400	26800	0.2773	14,017	1090	0.9387	#18 #18 Middle Class Affordability Rankings Western Kentucky University Bowling Green, KY Typical Net Price $19,400 • Sign in to see your Estimated Net Price Sticker Price $26,800 % Savings 28% Undergraduates 14,017 Est. Median SAT 1,090 Acceptance Rate 93.9 %
19	Murray State University	21200	25100	0.1549	8,281	1124	0.8568	#19 #19 Middle Class Affordability Rankings Murray State University Murray, KY Typical Net Price $21,200 • Sign in to see your Estimated Net Price Sticker Price $25,100 % Savings 15% Undergraduates 8,281 Est. Median SAT 1,124 Acceptance Rate 85.7 %
20	Thomas More University	22800	60600	0.6241	1,823	1115	0.9703	#20 #20 Middle Class Affordability Rankings Thomas More University Crestview Hills, KY Typical Net Price $22,800 • Sign in to see your Estimated Net Price Sticker Price $60,600 % Savings 62% Undergraduates 1,823 Est. Median SAT 1,115 Acceptance Rate 97.0 %
21	Spalding University	23100	50400	0.5422	734	1050	0.9864	#21 #21 Middle Class Affordability Rankings Spalding University Louisville, KY Typical Net Price $23,100 • Sign in to see your Estimated Net Price Sticker Price $50,400 % Savings 54% Undergraduates 734 Est. Median SAT 1,050 Acceptance Rate 98.6 %
22	Union College	25000	90400	0.7231	2,063	1393	0.4374	#22 #22 Middle Class Affordability Rankings Union College Barbourville, KY Typical Net Price $25,000 • Sign in to see your Estimated Net Price Sticker Price $90,400 % Savings 72% Undergraduates 2,063 Est. Median SAT 1,393 Acceptance Rate 43.7 %
23	University of Pikeville	25100	34800	0.2769	1,353	1055	0.8808	#23 #23 Middle Class Affordability Rankings University of Pikeville Pikeville, KY Typical Net Price $25,100 • Sign in to see your Estimated Net Price Sticker Price $34,800 % Savings 28% Undergraduates 1,353 Est. Median SAT 1,055 Acceptance Rate 88.1 %
24	Kentucky Wesleyan College	26400	53700	0.5082	834	1110	0.6705	#24 #24 Middle Class Affordability Rankings Kentucky Wesleyan College Owensboro, KY Typical Net Price $26,400 • Sign in to see your Estimated Net Price Sticker Price $53,700 % Savings 51% Undergraduates 834 Est. Median SAT 1,110 Acceptance Rate 67.1 %
25	Midway University	30100	50900	0.4088	1,743	1130	0.9514	#25 #25 Middle Class Affordability Rankings Midway University Midway, KY Typical Net Price $30,100 • Sign in to see your Estimated Net Price Sticker Price $50,900 % Savings 41% Undergraduates 1,743 Est. Median SAT 1,130 Acceptance Rate 95.1 %
26	University of Kentucky	31000	36000	0.1395	25,535	1193	0.9294	#26 #26 Middle Class Affordability Rankings University of Kentucky Lexington, KY Typical Net Price $31,000 • Sign in to see your Estimated Net Price Sticker Price $36,000 % Savings 14% Undergraduates 25,535 Est. Median SAT 1,193 Acceptance Rate 92.9 %
27	Transylvania University	33300	63500	0.4757	1,005	1277	0.8655	#27 #27 Middle Class Affordability Rankings Transylvania University Lexington, KY Typical Net Price $33,300 • Sign in to see your Estimated Net Price Sticker Price $63,500 % Savings 48% Undergraduates 1,005 Est. Median SAT 1,277 Acceptance Rate 86.6 %