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Georgetown, Kentucky

Georgetown is a small city of about 41,000 people in Scott County, Kentucky. It's the county seat. It has grown about 8% since 2020. A typical home costs about 3.3 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 61 miles away as the crow flies.

County seat

Population
40,883
up 8.2% since 2020
Typical home, 2020-24
$265,400
Scott County prices up 22% since 2022
Household income
$80,088
U.S.: $80,734
Prices, Lexington area
92.9
U.S. average = 100
Emergency room
5 miles
Georgetown, KY
To Louisville/Jefferson County
61 mi
straight line

The book's checklist

  • Lower cost of livingEveryday prices run 7.1% below the U.S. average in the Lexington-Fayette metro area.
  • More house for the moneyA typical home costs 3.3 years of the typical household's income here. Across the U.S. it's 4.1.
  • A safer neighborhood66 violent crimes were reported in 2025, about 1.6 per 1,000 people (U.S.: 3.3). Property crime: 10.5 per 1,000 (U.S.: 15.3).
  • Schools in town14 public schools: 8 elementary, 3 middle, 2 high schools and 1 other.
  • A hospital close byGeorgetown Community Hospital in Georgetown, about 5 miles away, has the nearest emergency room.
  • Within reach of a big cityLouisville/Jefferson County is about 61 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 Georgetown 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
$265,400U.S.: $332,700
Home prices since then
Up 22%Scott County, 2022 to 2025
Typical rent, with utilities
$1,255 a monthU.S.: $1,413
Typical household income
$80,088U.S.: $80,734
Homes owned by the people living in them
62%U.S.: 65%
Typical property tax bill
$1,839 a yearKentucky: $1,544
Homes built before 1940
5%U.S.: 12%
Homes built since 2010
27%U.S.: 11%
Vacation and seasonal homes
0%U.S.: 3%
Everyday prices
92.9U.S. average = 100 (the Lexington-Fayette metro area)

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 22% since 2022. Everyday prices are the government's average for the Lexington-Fayette metro area, not Georgetown 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
40,8832020: 37,802
Median age
32.7 yearsU.S.: 38.9
Age 65 and older
11%U.S.: 17%
Under 18
26%U.S.: 22%
Adults with a bachelor's degree or more
34%U.S.: 36%
Moved here from another county or state in the past year
10%U.S.: 6%
College students
7%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 (25%); schools, health care and social services (21%); retail (9%)
Unemployment rate
4%U.S.: 5%
Average commute
22 minutesU.S.: 26 minutes
Work from home
10%U.S.: 15%
Below the poverty line
12%U.S.: 12%

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

Health care

Nearest emergency room: Georgetown Community Hospital, Georgetown, KY, about 5 miles away. It's a general hospital. Medicare gives it 3 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

14 public schools in Georgetown, run by Scott County.

Colleges in or next to town: Georgetown College (1,000 to 4,999 students).

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
77%U.S.: 76%
Homes with any internet subscription
93%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
87°F
Days 90°F or hotter
25 a year
Nights at or below freezing
90 a year
Rain and melted snow
49.8 inches a year
Snow
14 inches a year
Elevation
919 feet

Weather station: Lexington Bluegrass Ap (16 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: Georgetown Community Hospital, Lexington-Fayette, Louisville/Jefferson County.

Scott County is in a metro area of 250,000 to 1 million people (USDA rural-urban code 2, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

67 places on the National Register of Historic Places, including Georgetown College Historic Buildings, the Georgetown East Main Street Residential District, the Lane's Run Historic District and the Main Street Commercial District.

National Park Service sites within about an hour:

  • Camp Nelson National Monument32 miles
  • William Howard Taft National Historic Site59 miles

Campus life. Check Georgetown College's events calendar for games, concerts and plays open to the public.

Read about Georgetown's history on Wikipedia.

Know Georgetown?

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

  • Stamping Ground, KY843 people, 8 miles
  • Sadieville, KY346 people, 9 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.