What it's like to live in Franklin
Franklin is a small city in Kentucky with rent below the national average, home prices that remain within reach, crime rates well below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Franklin deals with household incomes below the national average, college degree attainment below the national average, above-average rainfall, and fewer dining and entertainment options than a bigger city.
The good
- Rent below the national average
- Affordable home prices
- Low crime rates
- Short commutes
- Growing population
- Average class sizes
The not so good
- Below-average household incomes
- Low college degree attainment
- Above-average rainfall
- Smaller place — fewer dining and entertainment options
- Car-dependent — few commuters use transit
How Franklin compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Franklin
Based on Franklin's median rent, home value and household income
To rent
$2,020
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $40,400 a year
- 39% of Franklin renters spend 30% or more of their income on rent
To buy
$39,080
a 20% down payment on the median home
- With 10% down: $19,540
- Homes cost 3.3× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 29% below US
$1,010/mo median rent
Rent here is genuinely low, with median rent around $1,010 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $195,400. That kind of affordability is rare in today's market.
Median home value $195,400 · 39% of renters cost-burdened
Job market
4.5% county unemployment
Unemployment in Simpson County is 4.5%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Simpson County (county-wide)
Safety▼ 58% below US
152 violent crimes per 100k
Safety is genuinely one of the selling points here. Both violent and property crime run well below the national average, the kind of numbers that fade into the background after a week of living somewhere.
Property crime 938/100k · Franklin Police Department · 2024 data
Getting around▼ 29% below US
18 min average commute
Commutes are reasonable, averaging 18.4 minutes. Nothing heroic, and there's still time left over for a life after work. 9 in 10 workers drive to work.
How workers get to work
Climate
Summers are warm, with highs around 87°F, and winters are cold, with lows around 29°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 57% below US
16% bachelor's degree or higher
This is a working-class city, and college degree rates reflect that. Trades, manufacturing, and service industries tend to dominate the local economy, which is a strength for some fields and a real constraint for others.
Schools
6 public schools inside the boundary
There are 6 public schools inside the boundary and 1 private school. The student-to-teacher ratio is 16:1, close to the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Mammoth Cave National Park (41 miles away). There are 5 national parks and sites within a day's drive.
Bottom line
Franklin's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are household incomes below the national average and college degree attainment below the national average. A year of median rent ($1,010/mo) equals 21% of the median household income here, about the same as the 21% typical nationwide. It tends to suit people watching their budget, anyone prioritizing low crime, and people who want short commutes.
Other places near Franklin
All Kentucky guides →Moving to Bowling Green →
19 mi away · pop. 75,388
Rent $998/mo · Income $48,873
Compare with Franklin →Moving to Fort Campbell North →
50 mi away · pop. 11,356
Rent $1,529/mo · Income $58,933
Compare with Franklin →Moving to Hopkinsville →
51 mi away · pop. 30,906
Rent $902/mo · Income $49,139
Compare with Franklin →Not sure Franklin is the one?
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