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
Heather Martinez,
an experienced agent in this area.
GreatSchools:
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On average, homes in Somerset, KY sell after 52 days on the market compared to the national average of 58 days. The median sale price for homes in Somerset, KY over the last 12 months is $279,100, up 5% from the median home sale price over the previous 12 months.
Welcome to 207 Woodline Dr. in Somerset, Kentucky, a beautifully maintained home tucked away on a quiet cul-de-sac street in the highly desirable Winding Ridge neighborhood within the Oak Hill/Southwestern School District. Offering 4 bedrooms plus an oversized flex/bonus room, this spacious home combines timeless curb appeal, functional living space, and an unbeatable location close to shopping,
Cassandra AkinWeichert Realtors Ford Brothers, Inc.
If you've been searching for a move-in ready home that combines space, comfort, and location—this one checks all the boxes. This well-maintained brick ranch offers approximately 2,100 sq ft of living space with a functional, partially open floor plan designed for everyday living and entertaining. Step inside to a spacious living room featuring vaulted ceilings that create an open, airy feel
Colton FlynnKeller Williams Commonwealth - Somerset
Beautiful 3 bedroom, 2 bath home in desirable neighborhood of Maplewood. Beautiful mature trees in both front and back yard, offering plenty of shade, on level lot. Located on a dead end street so there isn't any through traffic. Home has been well maintained, with some renovations. The home has great entertaining spaces, spacious outdoor decking with color changing decorative lighting along
Susan HansfordWeichert Realtors Ford Brothers, Inc.
Back on the market - no fault of it's own!!! Welcome to this charming 3-bedroom, 2 full-bath all-brick home! Situated on a large lot, this well-maintained property offers scenic farm views from the backyard and plenty of outdoor space to enjoy. Recent updates include a NEW ROOF installed in July 2025 and an UPDATED BATHROOM completed in 2026. Also, NEW WINDOWS, appliances, and a deck were all
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
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
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,
The seller is highly motivated and ready to make a deal! If you've been searching for your dream home, this is the one you've been waiting for! Built in 2022, this stunning full-brick property is tucked away at the end of a peaceful cul-de-sac, offering both privacy and convenience. Step inside to discover a four bedroom and two bathroom home. The expansive primary suite is a true retreat,
Discover an exceptional real estate opportunity with this expansive parcel of land encompassing close to surveyed acres, nestled in a picturesque setting along the Cumberland River portion of Lake Cumberland. The property features 58 surveyed acres of unrestricted land, perfect for development, recreation, or investment. Also included are 23 individual lots, ranging in size from 0.4 to 0.71
Welcome home! This picturesque property offers the best of country living while still being conveniently close to everything Somerset and Lake Cumberland have to offer. Nestled on 4.52 beautiful acres, this charming 3 bedroom, 2 bathroom home provides the perfect blend of comfort, privacy, and outdoor adventure. Outside is ideal for a mini farm, gardening, exploring, or simply relaxing and
A rare opportunity to own a luxury escape that doubles as a proven turnkey investment. Welcome to lakefront luxury that performs. Fully furnished and turnkey, this Lake Cumberland retreat delivers breathtaking views from the moment you walk in. Vaulted tongue-and-groove ceilings, multiple ensuite bedrooms, and expansive indoor/outdoor living make it perfect for entertaining or hosting. 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
BRAND NEW - Modern rustic meets refined luxury in this stunning new-construction barndominium-style home offering 3 bedrooms, 2 full baths, and an open-concept living space. Amish framed and beautifully designed featuring striking exterior stone and wood accents, a covered front porch, and gorgeous mahogany front doors. Inside, you'll find LVP flooring throughout, a spacious great room with an
Custom Built Home with Restricted Plan! Makes this property One of a Kind! Upon entering the home you walk into a Gallery style foyer that features a custom staircase that sets the tone for this beautifully designed home. From the Gallery you will find a formal living room is located to right with a spacious dining area to the left. Master Suite features walk-in closet and luxurious private bath
Luxurious Lakeside Estate with cutting-edge upgrades and stunning views. This architect-designed 4 bedroom, 3.5 bath home offers approximately 4,330 sq ft on a 1-acre lot at the tip of a scenic peninsula, capturing two remarkable lake views: a sweeping southwest panorama from the dining room and intimate sunset views to the west. Thoughtfully planned living spaces, abundant natural light from
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.
Property Id: 25610093 Bedrooms (carpet&tile) 2 baths, kitchen including microwave, oven, dishwasher, and refrigerator. Overlooking LakeCumberland, access down to lake for the truest fit person. Large carport will fit 2 cars and porch set. Trash and recycling cans and service is included.
This 2-bedroom, 1.5-bathroom property located at 190 Scarlet Oak Dr. offers 1,500 square feet of living space. The living room provides ample space for relaxation and entertainment. The kitchen is equipped with a dishwasher and has a dining area. Each bedroom offers sufficient storage and natural light. The full bathroom features essential fixtures, while the half bath adds convenience for
Beautiful, newly built townhomes, with stainless steel appliances and washer and dryer hookup. This property is located approximately 1 mile from main Highway 27 in a quiet cul-de-sac directly off of 1247. We are approximately 1 mile from Somerset High School and 1/2 mile from Pulaski County High School. Lake Cumberland Regional Hospital is 2.5 mi away. All shopping centers, grocery stores, and
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.
Beautiful , newly built Apartments, with stainless steel appliances and washer and dryer hookup. This property is located approximately 1 mile from Highway 27 We are approx. 1 mile from Somerset High School and 1/2 mile from Pulaski County High School . Lake Cumberland Regional Hospital is 2.5 miles away. Somerset Country Club is right in the back yard. Maximum monthly income must be at least
Beautiful, newly built townhomes, with stainless steel appliances and washer and dryer hookup. This property is located approximately 1 mile from Highway 27 in a quiet cul-de-sac directly off of 1247. We are approximately 1 mile from Somerset High School and 1/2 mile from Pulaski County High School. Lake Cumberland Regional Hospital is 2.5 mi away. All shopping centers, grocery stores, and
This 2-bedroom, 1.5-bathroom property located at 190 Scarlet Oak Dr. offers 1,500 square feet of living space. The living room provides ample space for relaxation and entertainment. The kitchen is equipped with a dishwasher and has a dining area. Each bedroom offers sufficient storage and natural light. The full bathroom features essential fixtures, while the half bath adds convenience for
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