Everything You Should Know Before Moving to Frozen Creek, KY
Considering a move to Frozen Creek, KY? This small rural community of about 320 residents offers a quiet lifestyle with affordable housing—median home prices near $96,000 and average rent around $650. The area sees low violent crime rates (102 per 100K) and enjoys mild seasons with 58% sunny days each year. Average commute times are approximately 27 minutes, and local schools serve the needs of families, though higher education rates are below the national average. If you’re seeking a peaceful, budget-friendly setting with Kentucky charm, Frozen Creek may be just right for you.
Demographics - Frozen Creek, KY
Demographics - Frozen Creek, KY
Frozen Creek is a small, close-knit community of around 320 residents, with a median age of 43.2 and a population density of just 45 people per square mile. The city is predominantly White, with over 96% of the population, and has a nearly balanced gender ratio. A low percentage of non-English speakers and a modest diversity make it an easy place to connect with neighbors.
Population:
320
Density:
45 per sq mi
Median Age:
43.2
Gender Ratio:
97 males per 100 females
Non-English Speakers Percentage:
2.4%

Ethnic Composition
White:
96.1%
Black:
1.2%
Asian:
0.2%
Others:
2.5%
Cost Of Living
What is the average cost of living in Frozen Creek, KY?
Frozen Creek offers a notably affordable cost of living, with median home values at $96,000 and average rents around $650. Housing and groceries are especially budget-friendly, while utility costs are slightly above average. Overall, the city’s cost of living index is well below the national average, making it ideal for those seeking to stretch their dollar.
Median House Value:
$96,000
Gross Rent:
$650
Monthly Electricity Charges:
$120
Auto Insurance:
$1,040
House Owner Cost With Mortgage:
$910
House Owner Cost Without Mortgage:
$315
State Taxes:
Low:
2.0%
|
High:
5.0%
Cost Of Living Index:
82.5
Grocery:
92.3
Housing:
58.6
Utilities:
103.1
Transportation:
83.2
Health Care:
89.7
Miscellaneous:
90.4
Crime
Is Frozen Creek, KY a safe place to live?
Residents of Frozen Creek enjoy a low rate of violent crime, with only 102 incidents per 100,000 people, making it a safe place to live. Property crime is higher, but still manageable for a rural area, with a 1 in 95 chance annually. The quiet atmosphere and low violent crime contribute to peace of mind for families and retirees.
Violent Crimes Per 100k:
102
Property Crimes Per 100k:
1,050
Crime Index:
1,152
Chance Of Violent Crime:
1 in 980
Chance Of Property Crime:
1 in 95
Weather
What is the weather like in Frozen Creek, KY year-round?
Frozen Creek experiences four distinct seasons, with mild winters averaging lows of 25°F and warm summers peaking at 86°F. The area receives about 48.5 inches of rainfall annually and enjoys sunshine 58% of the year. This climate supports a comfortable outdoor lifestyle and scenic natural beauty year-round.

Winter
Min:
25°F
Max:
42°F

Spring
Min:
44°F
Max:
70°F

Summer
Min:
63°F
Max:
86°F

Fall
Min:
45°F
Max:
72°F
Average Rainfall Inches:
48.5 inches
Sunny Days Percentage:
58%
Neighbors
Local households have a median income of $39,200, with about 20% of residents living below the poverty line. Most neighbors commute about 27 minutes to work, and public transportation use is minimal in this rural area. Educational attainment is moderate, with over 82% holding a high school diploma or higher.
Median Income:
$27,500
Household Income:
$39,200
Family Income:
$44,800
Per Capita Income:
$19,100
Income Male:
$30,200
Income Female:
$27,100
Poverty Rate:
20.1%
Non English Speakers:
2.4%
Rent:
$650
Unemployment Rate:
6.8%
Public Transport Usage:
0.4%
Commute Time:
27.4 minutes

Education
High School or Higher:
82.2%
Bachelors or More:
12.3%
Education
How are the schools in Frozen Creek, KY?
Families in Frozen Creek have access to public schools with favorable student-teacher ratios, such as Jackson Independent and Breathitt County High School. The area is also served by Oakdale Christian Academy for private education and is within commuting distance to Hazard Community and Technical College. While local educational attainment is lower than national averages, basic educational resources are readily available.

Public Schools
Name:
Jackson Independent School
Street:
940 Highland Ave
Phone:
606-666-4979
Students:
430
Student Teacher Ratio:
14.3
Name:
Breathitt County High School
Street:
2307 Bobcat Lane
Phone:
606-666-7511
Students:
540
Student Teacher Ratio:
15.9

Private Schools
Name:
Oakdale Christian Academy
Street:
5801 Beattyville Rd
Phone:
606-693-4802
Students:
60

Colleges
Name:
Hazard Community and Technical College
City:
Hazard
State:
KY
Distance:
23 miles
Students:
3,700
Healthcare
Healthcare access in Frozen Creek is anchored by the nearby Kentucky River Medical Center, which offers general and emergency services. Residents benefit from a solid physician-to-population ratio of 1.7 per 1,000 and an insurance coverage rate of nearly 89%. Healthcare services are accessible and contribute to the area’s overall quality of life.

Major Hospitals
Name:
Kentucky River Medical Center
Address:
540 Jett Drive, Jackson, KY 41339
Phone:
(606) 666-6000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.7
Health Insurance Coverage:
88.6%
Health Care Index:
68.2
Housing Market
What is the housing market like in Frozen Creek, KY?
The housing market in Frozen Creek is stable and affordable, with a median home price of $96,000 and a high owner-occupancy rate of 75%. Rental options are available with average two-bedroom rents at $650, and home values have seen modest appreciation in the past year. Low foreclosure and vacancy rates indicate a steady, reliable market for both buyers and renters.
Median Home Price:
$96,000
Average Rent For 2 Bedroom:
$650
Owner Occupied Rate:
75.3%
Rental Vacancy Rate:
7.2%
Home Appreciation Rate (1yr):
3.2%
New Construction Rate:
0.4%
Foreclosure Rate:
0.8%
DMV Information
Driver services for Frozen Creek residents are managed by the Kentucky Transportation Cabinet in Frankfort, offering easy access to licensing, registration, and online resources. The state DMV provides convenient contact options, including a user-friendly website and phone support. All essential vehicle and driver documentation needs can be handled through this office.
State:
Kentucky
Department:
Kentucky Transportation Cabinet, Division of Driver Licensing
Address:
200 Mero Street, Frankfort, KY 40622
Phone:
1-502-564-1257
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.