Warsaw is a small town of 2,180 in Kentucky, with a median household income of $52,240
and a 4.4% unemployment rate.
Its cost of living index is 94 (US average = 100), which is
6% below the national average.
Strengths:
Warsaw stands out for an affordable cost of living, below-average home prices, lower-than-average crime, short average commutes.
Trade-offs:
No major red flags stand out in the available data. Whether Warsaw is right for you depends on your priorities — the full breakdown is below.
All Warsaw city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 94.1
Warsaw's overall cost of living index is 94.1,
where 100 represents the US national average.
Living in Warsaw costs roughly 6% less than the average American city.
Metric
Warsaw, KY
National Avg
Median Home Value
$146,100
$244,900
Median Monthly Rent
$726
$1,163
Homeownership Rate
40.3%
65.9%
Median Household Income
$52,240
$74,755
Crime & Safety
Very Safe
Warsaw's violent crime rate is 170.5 per 100,000 residents
— 55% lower than the national average of ~380 per 100,000.
Violent Crime
170.5 /100k
Property Crime
1420.5 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Warsaw is served primarily by Gallatin County.
The student-to-teacher ratio is 17.2:1
(slightly above the national average of ~16:1).
Metric
Warsaw, KY
National Avg
School District
Gallatin County
—
Elementary Schools
2
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
17.2:1
16:1
Bachelor's Degree or Higher
14.6%
35.4%
High School Diploma or Higher
81.3%
91.1%
Weather & Climate
Warsaw sees average highs of 39.6°F in January
and 85.1°F in July,
with 47.7 inches of annual precipitation
and 6.5 inches of snow per year.
Warsaw's cost of living index is 94, where 100 is the national average.
That makes Warsaw roughly 6% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $146,100 and median rent is $726/month.
Warsaw's violent crime rate is 170.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1420.5 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Warsaw are operated by Gallatin County.
The district has 2 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 17.2:1. 14.6% of adults 25+ hold a bachelor's degree or higher.
Warsaw, KY has a population of 2,180, a median household income of $52,240, and an unemployment rate of 4.4%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Warsaw averages 39.6°F in January and 85.1°F in July. Annual rainfall is 47.7 inches
with about 6.5 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Warsaw, KY is covered by 1 ZIP code: 41095.
The population of Warsaw, Kentucky is 2,180 with a median age of 32.7. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Warsaw: cost of living index 94 (100 = US average), median home $146,100, median household income $52,240, crime index 54 (100 = US average, lower is safer), schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Warsaw side by side with your current city to see the trade-offs.
