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	5800	28400	0.7954	1,004	1090	0.9689	#1 #1 Middle Class Affordability Rankings The Southern Baptist Theological Seminary Louisville, KY Typical Net Price $5,800 • Sign in to see your Estimated Net Price Sticker Price $28,400 % Savings 80% Undergraduates 1,004 Est. Median SAT 1,090 Acceptance Rate 96.9 %
2	Berea College	9500	70100	0.8649	1,527	1235	0.1934	#2 #2 Middle Class Affordability Rankings Berea College Berea, KY Typical Net Price $9,500 • Sign in to see your Estimated Net Price Sticker Price $70,100 % Savings 86% Undergraduates 1,527 Est. Median SAT 1,235 Acceptance Rate 19.3 %
3	Kentucky State University	9800	17500	0.4361	1,546	925	0.9251	#3 #3 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 %
4	Georgetown College	10600	45800	0.7689	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 $45,800 % Savings 77% Undergraduates 1,111 Est. Median SAT 1,060 Acceptance Rate 91.1 %
5	Eastern Kentucky University	10800	22900	0.53	12,726	1055	0.9695	#5 #5 Middle Class Affordability Rankings Eastern Kentucky University Richmond, KY Typical Net Price $10,800 • Sign in to see your Estimated Net Price Sticker Price $22,900 % Savings 53% Undergraduates 12,726 Est. Median SAT 1,055 Acceptance Rate 97.0 %
6	Northern Kentucky University	12800	25900	0.5073	10,163	1090	0.8307	#6 #6 Middle Class Affordability Rankings Northern Kentucky University Highland Heights, KY Typical Net Price $12,800 • Sign in to see your Estimated Net Price Sticker Price $25,900 % Savings 51% Undergraduates 10,163 Est. Median SAT 1,090 Acceptance Rate 83.1 %
7	University of the Cumberlands	12900	26400	0.5113	6,091	1110	0.7139	#7 #7 Middle Class Affordability Rankings University of the Cumberlands Williamsburg, KY Typical Net Price $12,900 • Sign in to see your Estimated Net Price Sticker Price $26,400 % Savings 51% Undergraduates 6,091 Est. Median SAT 1,110 Acceptance Rate 71.4 %
8	Brescia University	14900	52900	0.719	545	1090	0.3524	#8 #8 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 %
8	Morehead State University	14900	28000	0.469	8,258	1120	0.7721	#8 #8 Middle Class Affordability Rankings Morehead State University Morehead, KY Typical Net Price $14,900 • Sign in to see your Estimated Net Price Sticker Price $28,000 % Savings 47% Undergraduates 8,258 Est. Median SAT 1,120 Acceptance Rate 77.2 %
10	Lindsey Wilson College	15400	47700	0.676	1,738	1035	0	#10 #10 Middle Class Affordability Rankings Lindsey Wilson College Columbia, KY Typical Net Price $15,400 • Sign in to see your Estimated Net Price Sticker Price $47,700 % Savings 68% Undergraduates 1,738 Est. Median SAT -- Acceptance Rate --
11	Bellarmine University	15600	66100	0.7641	2,240	1130	0.8611	#11 #11 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 %
12	Murray State University	15900	27000	0.4099	8,281	1124	0.8568	#12 #12 Middle Class Affordability Rankings Murray State University Murray, KY Typical Net Price $15,900 • Sign in to see your Estimated Net Price Sticker Price $27,000 % Savings 41% Undergraduates 8,281 Est. Median SAT 1,124 Acceptance Rate 85.7 %
13	Asbury University	16000	49100	0.6734	2,066	1157	0.954	#13 #13 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 %
14	Alice Lloyd College	18100	33500	0.4592	553	1055	0.8557	#14 #14 Middle Class Affordability Rankings Alice Lloyd College Pippa Passes, KY Typical Net Price $18,100 • Sign in to see your Estimated Net Price Sticker Price $33,500 % Savings 46% Undergraduates 553 Est. Median SAT 1,055 Acceptance Rate 85.6 %
15	Centre College	18400	70100	0.7378	1,356	1330	0.5553	#15 #15 Middle Class Affordability Rankings Centre College Danville, KY Typical Net Price $18,400 • Sign in to see your Estimated Net Price Sticker Price $70,100 % Savings 74% Undergraduates 1,356 Est. Median SAT 1,330 Acceptance Rate 55.5 %
16	Campbellsville University	18700	40800	0.5421	6,411	1055	0.7235	#16 #16 Middle Class Affordability Rankings Campbellsville University Campbellsville, KY Typical Net Price $18,700 • Sign in to see your Estimated Net Price Sticker Price $40,800 % Savings 54% Undergraduates 6,411 Est. Median SAT 1,055 Acceptance Rate 72.4 %
17	University of Louisville	18800	29100	0.3543	17,086	1148	0.7941	#17 #17 Middle Class Affordability Rankings University of Louisville Louisville, KY Typical Net Price $18,800 • Sign in to see your Estimated Net Price Sticker Price $29,100 % Savings 35% Undergraduates 17,086 Est. Median SAT 1,148 Acceptance Rate 79.4 %
18	Kentucky Christian University	19300	43100	0.5532	503	1020	0.6238	#18 #18 Middle Class Affordability Rankings Kentucky Christian University Grayson, KY Typical Net Price $19,300 • Sign in to see your Estimated Net Price Sticker Price $43,100 % Savings 55% Undergraduates 503 Est. Median SAT 1,020 Acceptance Rate 62.4 %
19	Western Kentucky University	19500	26800	0.2735	14,151	1090	0.9387	#19 #19 Middle Class Affordability Rankings Western Kentucky University Bowling Green, KY Typical Net Price $19,500 • Sign in to see your Estimated Net Price Sticker Price $26,800 % Savings 27% Undergraduates 14,151 Est. Median SAT 1,090 Acceptance Rate 93.9 %
20	Thomas More University	23000	60600	0.6208	1,823	1115	0.9703	#20 #20 Middle Class Affordability Rankings Thomas More University Crestview Hills, KY Typical Net Price $23,000 • 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	23500	50400	0.5343	734	1050	0.9864	#21 #21 Middle Class Affordability Rankings Spalding University Louisville, KY Typical Net Price $23,500 • Sign in to see your Estimated Net Price Sticker Price $50,400 % Savings 53% Undergraduates 734 Est. Median SAT 1,050 Acceptance Rate 98.6 %
22	University of Pikeville	25300	34800	0.2709	1,353	1055	0.8808	#22 #22 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 %
23	Union College	26800	90400	0.7032	2,065	1393	0.4374	#23 #23 Middle Class Affordability Rankings Union College Barbourville, KY Typical Net Price $26,800 • Sign in to see your Estimated Net Price Sticker Price $90,400 % Savings 70% Undergraduates 2,065 Est. Median SAT 1,393 Acceptance Rate 43.7 %
24	Kentucky Wesleyan College	27000	53700	0.4967	834	1110	0.6705	#24 #24 Middle Class Affordability Rankings Kentucky Wesleyan College Owensboro, KY Typical Net Price $27,000 • Sign in to see your Estimated Net Price Sticker Price $53,700 % Savings 50% Undergraduates 834 Est. Median SAT 1,110 Acceptance Rate 67.1 %
25	Midway University	31000	50900	0.3902	1,743	1130	0.9514	#25 #25 Middle Class Affordability Rankings Midway University Midway, KY Typical Net Price $31,000 • Sign in to see your Estimated Net Price Sticker Price $50,900 % Savings 39% Undergraduates 1,743 Est. Median SAT 1,130 Acceptance Rate 95.1 %
25	University of Kentucky	31000	36000	0.1395	25,535	1193	0.9294	#25 #25 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	33400	63500	0.4741	1,006	1277	0.8655	#27 #27 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 %