Tucked among the rolling hills of rural Kentucky, the city of Somerset has a population of just about 12,000 people. The nearest airport is over an hour away, and downtown spans only a few blocks. But every year, more than 4 million people make their way to this side of the state, thanks to Lake Cumberland. Summers in Somerset thrum with boats, car shows and live music. “On the Fourth of July, there’s half a million people here — it feels like Hilton Head in South Carolina,” says Bobby Clue, the executive director of the Somerset Pulaski Chamber of Commerce. “But this is a sleepy little town in the middle of January." For those who choose to settle down here year-round, Somerset is known for its affordable cost of living.
Outdoor lovers flock to Somerset for RV camping on Lake Cumberland.
The Liberty Nature Center in Somerset helps rehabilitate a variety of animals.
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Own a plot of rural Kentucky land
Homes tend to get newer farther out from the city center. Outside of a small walkable downtown, streets feel rural, with no sidewalks and plenty of mature trees. Especially around the outskirts of town, yards can be several acres or more. “Taxes are relatively cheap compared to the rest of the state,” Clue says. “People often relocate here because they can buy a small farm, get off the grid or build their dream home on a plot of land.” The city’s median home price is $250,000. Smaller ranch styles from the mid-1900s start closer to $150,000. Sprawling lakeside homes can range from $700,000 to over $1 million.
Some residents build on large plots of land just outside Somerset.
The median home price in Somerset is $250,000.
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Dual enrollment and technology pathways at Somerset High
The city is served by Somerset Independent Schools, which gets an overall B-plus rating from Niche. The district has three schools and approximately 1,600 students. Somerset High School offers dual enrollment courses with the local Somerset Community College, as well as specialty programs at the Pulaski County Area Technology Center. “The center has really neat classes in things like industrial manufacturing, nursing, and automotive technology,” Clue says. “In general, we are really fortunate to have really good schools — it’s a driver for people who are looking to move here.”
The city is also home to Somerset Christian School for kindergarten through 12th grade. The private school option receives a B-plus grade.
Pulaski County Area Technology Center serves students from 8-12 grades.
Somerset high school has a graduation rate of 94%.
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Boating on Lake Cumberland, apple-picking at nearby farms
The seasons feel distinct in Somerset, with hot, humid summers and occasional snowfall in the winter. Summer recreation is centered around Lake Cumberland, which is open for boating, swimming and fishing. The lake snakes through the Kentucky countryside, lined with marinas, parks and camping grounds. “The lake is the heart of our community,” Clue says. “But we are also known for our adventure tourism — we’ve got hiking, nature preserves and extensive mountain biking trails.” The farms surrounding Somerset are often open to the public for produce stands or seasonal fruit-picking fields. Haney’s Appledale Farm is one notable example, popular for its peach and apple picking.
Each year, boaters come to Somerset to explore over 63,000 surface acres of Lake Cumberland.
RV owners can lease spaces at Lake Cumberland in Somerset.
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A new bourbon distillery invests $200 million in Somerset
One of the most impactful developments coming to Somerset is the Horse Soldier Distillery, a bourbon company founded by military veterans. Horse Solider has invested $200 million in the city, planning to build both a distillery and a restaurant. It will form the southernmost stop on Kentucky’s famous Bourbon Trail and is expected to open in July 2026. “Since the building of Lake Cumberland in the 1940s, this is probably one of the most transformational projects to happen to Somerset,” Clue says. “It will bring in thousands of visitors.”
As of now, the shopping and dining scene in Somerset is still one of the most robust in the area. “We are a regional hub for about 13 counties,” Clue says. “If people want a higher-end grocery store, more restaurant options or entertainment, they come to Somerset.”
Horse Soldier Bourbon is investing over $200 million in Somerset with it's new distillery.
Somerset became the county seat in 1801.
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Car shows, community centers and churches
Somernites Cruise is a popular car show that earned Somerset the title: “Official Car Cruise Capital of Kentucky.” Downtown streets are blocked off for this monthly summertime celebration of classic cars. Somerset is also home to the annual Master Musicians Festival, an award-winning event showcasing local and national talent.
On the day-to-day, Somerset residents can bring their kids to storytime at the Pulaski County Public Library or catch a show at The Virginia, a historic theater. The Center for Rural Development is a regional community center that plans events and theater productions. Churches play a large role in the community, and there’s a senior center for Somerset’s older residents. “About 20% of our population is 65-plus,” says Clue. “This is a really popular place to retire.”
The Somerset Public library has a wide range of books and materials for all ages.
The Virginia Theater in Somerset hosts concerts, plays, comedy shows, and private events.
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A regional hub for healthcare
The city is home to the Lake Cumberland Regional Hospital and a surrounding collection of medical offices. “There’s a huge healthcare industry because we are a regional hub for so many people,” Clue says. “So many different kinds of specialists — we have three different dermatologists here!” Other major employers include the local school system and nearby industrial parks.
Major roads that run through the city include U.S. Route 27 and Kentucky Route 80, which leads out to Interstate 75. The closest big city is Lexington, which is 80 miles away and about an hour and a half drive. Somerset is also less than 200 miles from Louisville, Nashville and Cincinnati. All four of these cities have an airport.
In Somerset, the Lake Cumberland Regional Hospital is a 295-bed acute care facility.
The City Clerk's Office is located in the historic downtown in Somerset.
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Crime
Somerset’s crime rates are slightly above the state average but were lower in 2023 than in 2022. Property crime rates are on par with the national average, and violent crime rates are below the national average.
Written By
Catherine Lashley
Photography Contributed By
Ryan Minion
Video By
Luke Basinger
Interested in learning more about homes in this area?
Reach out to
Ashley Spencer,
an experienced agent in this area.
GreatSchools:
The GreatSchools Rating helps parents compare schools within a state based on a variety of school quality indicators and provides a helpful picture of how effectively each school serves all of its students. Ratings are on a scale of 1 (below average) to 10 (above average) and can include test scores, college readiness, academic progress, advanced courses, equity, discipline and attendance data. We also advise parents to visit schools, consider other information on school performance and programs, and consider family needs as part of the school selection process.
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On average, homes in Somerset, KY sell after 53 days on the market compared to the national average of 55 days. The median sale price for homes in Somerset, KY over the last 12 months is $285,500, up 8% from the median home sale price over the previous 12 months.
Looking for a huge home with lots of sq. Footage in the Oak Hill area? Walk into this beautiful home and find 4 bedrooms, 2 full baths 2 half baths, living room, eat in kitchen, walk out of your kitchen on to your back covered deck looking over your fenced back yard. The primary suite is equipped with a large jetted tub, shower, walk in closet, double vanity with large mirror, the foyer walks
Nestled along the 7th fairway of the highly desirable Eagle's Nest Country Club community, this one-owner custom-built home offers approximately 5,832 square feet of finished living space and showcases the quality, craftsmanship, and thoughtful design that only comes from a home built with longevity in mind. From the moment you arrive, you'll appreciate the inviting front porch, circular
Cassandra AkinWeichert Realtors Ford Brothers, Inc.
Welcome to Waymans Woods, a desirable new development conveniently located off Highway 39 in northern Pulaski County and within the Northern Elementary School district. Situated on approximately 2 acres, this beautiful new construction barndominium-style home offers impressive curb appeal, a metal roof, covered front and back porches, and stylish exterior accent lighting. Inside, luxury vinyl
Cassandra AkinWeichert Realtors Ford Brothers, Inc.
ATTENTION! Seller is offering a HOME WARRANTY, making this already attractive opportunity even more appealing! Nestled in the desirable Lakewood Haven community, tucked away in the back of Winding Ridge near the lake, this beautiful one-level ranch home offers the perfect combination of comfort, style, and location. Step inside to find gorgeous hardwood flooring and a spacious main living area
Charming 2022 Clayton Eagle Mobile Home in a Picturesque Lake Community Welcome to your new home! This nearly new 2022 Clayton Eagle manufactured on a permanent foundation offers modern comforts and an open floor plan that creates a bright, inviting atmosphere throughout. With three spacious bedrooms and two full bathrooms, there's plenty of room for relaxation and privacy. The heart of this home
EXCEPTIONAL SHORT-TERM RENTAL INVESTMENT! This property is currently operating as a successful active vacation rental and is rated as a Super Host thru AirBnB. It sits right by Omega Park boat ramp and comes FULLY FURNISHED. Outstanding income-producing potential is already set in place. This is a premier real estate opportunity to acquire a spacious and beautifully updated home located in a
Welcome to 211 White Tail Run in Somerset, Kentucky, an exceptional home nestled in one of the area's most sought-after subdivisions. Offering over 4,000 square feet of beautifully designed living space, this spacious 4-bedroom, 3-bath home combines comfort, style, and functionality for families of all sizes. Step inside to find gorgeous hardwood flooring. You'll appreciate the generously sized
Built in 2023, this beautifully designed 2-story triplex is a rare turnkey investment opportunity in one of Somerset's most desirable locations. This fully occupied triplex offers three well-designed 2-story units, each featuring 2 bedrooms and 1.5 baths. With modern construction, newer appliances, and low-maintenance ownership, investors can enjoy peace of mind with minimal upkeep for years to
Gorgeous lake lot backs up to the Corp of Engineer boarding Buck Creek. This lot has a 60' public walking trail to the waters edge. (between lots 35 & 36) Build your minimum 1100 Sq' home and enjoy the luxury of relaxation! Plenty of wildlife in the surrounding woods. Public water at the lot & electric close by. Two boat ramps on either end of the road to enjoy! Bring your boat and let the fun
**Lake Cumberland Living Starts Here!** Discover the opportunity to build your dream home in the desirable Allen's Landing subdivision! This approximately half-acre lot offers a beautiful setting directly across from Lake Cumberland, with a gentle to rolling slope that may be ideal for a home featuring a walk-out basement. Enjoy the peaceful lake area atmosphere, scenic surroundings, and the
Built in 2023, this beautifully designed 2-story triplex is a rare turnkey investment opportunity in one of Somerset's most desirable locations. This fully occupied triplex offers three well-designed 2-story units, each featuring 2 bedrooms and 1.5 baths. With modern construction, newer appliances, and low-maintenance ownership, investors can enjoy peace of mind with minimal upkeep for years to
Build your Min. 1100 sq' home on a gorgeous lot. You can choose from two boat ramps on either side of Omega Park road. But look the wildlife as you drink your coffee in the morning from your own piece of paradise! A 60' public easement just down the road that you can hike to see the waters edge! Public water at the lot & electricity available near by. Buck Creek Circle road is public maintained.
Welcome to this spacious 4-bedroom, 2-bath ranch home located in the desirable Indian Hills Subdivision! This well-maintained home offers plenty of room for family and entertaining, featuring a comfortable layout, attached 1-car garage, and generous living space throughout. Enjoy the convenience of being situated in an established neighborhood while still being close to local amenities, schools,
**Charming Brick Ranch Near Lake Cumberland - 3 Bed, 2 Bath** Don't miss this well-maintained 3-bedroom, 2-bath brick ranch offering 1,316 square feet of comfortable living space in a convenient location near shopping, restaurants, schools, and beautiful Lake Cumberland. Inside, you'll find hardwood floors throughout the main living areas, tile flooring in the kitchen and bathrooms, and carpet in
Fry Estates Apartments is One of Somerset's Newest Communities. It is professionally managed by a friendly on-site staff. We feature top quality apartments with a great location. Come see what makes us Somerset's finest! We look forward to welcoming you home.
Please submit an application and a background check through this website. We prefer contacts through email since we do have limited office hours. We do not take phone calls after 5pm or before 9am and no calls on Sunday. Creek side apartments located next to Somerset Community College and Aviation Maintenance Technology. We have become SMOKE/VAPE free buildings. ABSOLUTLEY NO PETS ALLOWED.
Welcome to your new home at 294 Highpoint Drive, Unit A! This charming BRAND NEW, never-lived-in 2-bedroom, 2-bathroom house in Somerset, KY, offers a cozy retreat with all the comforts you need. With 1,050 square feet of living space, you'll find plenty of room to relax and entertain. Step inside to discover a well-equipped kitchen featuring modern appliances including an electric range,
These spacious one-bedroom, one-bath apartments offer 790 square feet of comfortable living space. Conveniently located at the south end of Somerset, they're perfect for commuters, with shopping and dining options just a short walk away. Come see for yourself—you'll be proud to call this place HOME.
Welcome to your dream home at 305 Autumn Ridge Dr in the charming neighborhood of Somerset, KY! This stunning 4-bedroom, 3.5-bathroom house boasts an impressive 4000 square feet of living space, perfect for those who appreciate both comfort and style. Step inside and discover a world of modern amenities designed for your convenience: - Spacious bedrooms for restful nights -
The address is 15 Melrose Drive #4. Beautiful apartment with upgraded appliances, granite countertops, and washer and dryer hookup. This property is located a few miles from Highway 27 in a quiet cul-de-sac directly off of 1247 and right next to Somerset Country Club. Apartments are 2 miles from Lake Cumberland Regional Hospital, 1 mile from Pulaski High, Middle, and Elementary Schools. The 13th
Now offering this stunning new-construction townhome that combine luxury finishes with a massive attached garage for your comfort and safety! Featuring soaring, minimum 12-foot vaulted ceilings throughout, these homes offer a sense of space that rivals most single-family homes. The primary bedroom is truly massive, bigger than what you'd find in many full-sized houses. Tucked away at the end of a
Nathanael SearsKeller Williams Commonwealth - Somerset
Clean quiet. New flooring new appliances refrigerator w/ice maker, dishwasher, stove w/self cleaning oven, washer dryer hookup, 2 bed 1.5 bath no HUD no smoking. Deposit and references required. No pets
Beautiful 2 Bed 2 Bath townhome now available for lease! Located just outside of downtown Somerset, this property is fully equipped with high end finishes and appliances! With lots of storage, granite countertops, and luxury vinyl flooring, these units are hard to beat! Tenants are responsible for Electric & Water, but grounds maintenance is included. These units are pet friendly upon approval
2 bed 1 bath duplex. Washer and Dryer hook ups are located in the kitchen area. Lawn care is included in rent, tenants are responsible for all other utilities. Pet friendly upon approval for additional fees. Breed + size restrictions may apply.
2 bed 1 bath duplex. Unit includes washer + dryer hookups in the kitchen area, rent includes lawn care. Tenants are responsible for all other utilities. KU electric, City of Somerset water, sewer, and garbage. Pet friendly upon approval for an additional fee. Tenants must apply to be screened and approved.
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