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Carrollton, Kentucky

Carrollton is a small town of about 4,000 people in Carroll County, Kentucky. It's the county seat. Its population has held about steady since 2020. A typical home costs about 2.5 years of the typical household's income, compared with 4.1 across the U.S. The nearest metro area of about a million people or more, Louisville/Jefferson County, is about 44 miles away as the crow flies.

County seat

Population
3,964
up 1.9% since 2020
Typical home, 2020-24
$113,200
Carroll County prices up 33% since 2022
Household income
$45,871
U.S.: $80,734
Prices, rural Kentucky
85.3
U.S. average = 100
Emergency room
In town
Carroll County Memorial Hospital
To Louisville/Jefferson County
44 mi
straight line

The book's checklist

  • Lower cost of livingEveryday prices run 14.7% below the U.S. average in the parts of Kentucky outside metro areas.
  • More house for the moneyA typical home costs 2.5 years of the typical household's income here. Across the U.S. it's 4.1.
  • A safer neighborhood7 violent crimes were reported in 2025, about 1.8 per 1,000 people (U.S.: 3.3). Property crime: 6.3 per 1,000 (U.S.: 15.3).
  • Schools in town5 public schools: 2 elementary, 1 middle, 1 high school and 1 other.
  • A hospital close byCarroll County Memorial Hospital is in town and has an emergency room.
  • Within reach of a big cityLouisville/Jefferson County is about 44 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.

A check means Carrollton meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.

For a lifetime

Homes and money

Typical home value, as owners valued them in 2020-2024
$113,200U.S.: $332,700
Home prices since then
Up 33%Carroll County, 2022 to 2025
Typical rent, with utilities
$918 a monthU.S.: $1,413
Typical household income
$45,871U.S.: $80,734
Homes owned by the people living in them
37%U.S.: 65%
Typical property tax bill
$1,033 a yearKentucky: $1,544
Homes built before 1940
25%U.S.: 12%
Homes built since 2010
0%U.S.: 11%
Vacation and seasonal homes
0%U.S.: 3%
Everyday prices
85.3U.S. average = 100 (the parts of Kentucky outside metro areas)

Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 33% since 2022. Everyday prices are the government's average for the parts of Kentucky outside metro areas, not Carrollton alone. Check current listings before you budget.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.

The people

Population, 2025 estimate
3,9642020: 3,892
Median age
31 yearsU.S.: 38.9
Age 65 and older
13%U.S.: 17%
Under 18
32%U.S.: 22%
Adults with a bachelor's degree or more
5%U.S.: 36%
Moved here from another county or state in the past year
6%U.S.: 6%
College students
5%share of all residents

Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Work

Biggest lines of work
Manufacturing (30%); schools, health care and social services (16%); transportation, warehousing and utilities (11%)
Unemployment rate
7%U.S.: 5%
Average commute
19 minutesU.S.: 26 minutes
Work from home
0%U.S.: 15%
Below the poverty line
23%U.S.: 12%

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Health care

Nearest emergency room: Carroll County Memorial Hospital, Carrollton, KY, in town. It's a critical access hospital (a small rural hospital with 25 or fewer beds). Medicare hasn't given it a star rating.

Nearest general hospital: Norton-King's Daughters' Health, Madison, IN, about 14 miles away. Medicare gives it 2 of 5 stars.

Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.

Sources: Centers for Medicare & Medicaid Services, Hospital General Information.

Schools

5 public schools in Carrollton, run by Carroll County.

See each school on the federal school search, then check test scores and graduation rates on Kentucky's school report card.

Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.

Internet

Homes with cable, fiber or DSL internet
79%U.S.: 76%
Homes with any internet subscription
84%U.S.: 91%

Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Weather

January average low
25°F
July average high
88°F
Days 90°F or hotter
38 a year
Nights at or below freezing
91 a year
Rain and melted snow
48.5 inches a year
Snow
21 inches a year
Elevation
483 feet

Weather station: Vevay (7 miles away). Averages for 1991 to 2020.

Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.

Getting around

Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: Jeffersonville, Louisville/Jefferson County.

Carroll County is outside any metro area, with 5,000 to 20,000 people in its towns, next to a metro area (USDA rural-urban code 6, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

8 places on the National Register of Historic Places, including the Carrollton Historic District and the Hunter's Bottom Historic District.

National Park Service sites within about an hour:

  • William Howard Taft National Historic Site47 miles

Read about Carrollton's history on Wikipedia.

Know Carrollton?

Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.

Nearby

Straight-line miles.

Small towns

Smaller places

  • Prestonville, KY178 people, 2 miles
  • Lamb, IN (unincorporated)272 people, 2 miles
  • Ghent, KY368 people, 7 miles
  • Worthville, KY179 people, 7 miles
  • Bedford, KY628 people, 10 miles
  • Milton, KY595 people, 12 miles
  • Sanders, KY204 people, 12 miles
  • Campbellsburg, KY861 people, 12 miles

Sources

  1. U.S. Census Bureau, Population Estimates (Vintage 2025)
  2. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates
  3. Federal Housing Finance Agency, House Price Index for counties (all transactions)
  4. U.S. Bureau of Economic Analysis, Regional Price Parities, 2024
  5. FBI, Crime in the United States, Table 8 (offenses known to law enforcement by city)
  6. Centers for Medicare & Medicaid Services, Hospital General Information
  7. National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal)
  8. National Center for Education Statistics, IPEDS institution directory, 2024
  9. NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020
  10. U.S. Geological Survey, 3D Elevation Program
  11. National Park Service, National Register of Historic Places listings
  12. National Park Service, park unit boundaries
  13. USDA Economic Research Service, Rural-Urban Continuum Codes, 2023
  14. U.S. Census Bureau, 2025 Gazetteer files and 2020 urban areas

Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.