Buying a black-tie dress can be difficult because the dress has to balance elegance, comfort, fit, and formality without breaking the bank. A gown that looks perfect online may not have the right hemline once it meets real life, so trying things on can save you from a fashion faux pas. Frankfort’s selection is more limited than that of a major shopping city, which means finding the right dress may require checking several retailers or ordering ahead. Prices can also swing from bargain-basement to budget-busting depending on fabric, designer, and embellishments. The good news is that with a little dress-determination, you can find a look that is ready to tie the room together.
The prices below are approximate averages for formal or evening dresses, not guaranteed prices for a specific black-tie gown. Inventory and local store availability can change, so check each retailer’s website or call ahead before making the trip.
## 1. Cato Fashions
Cato is a good first stop for affordable cocktail dresses, embellished midi dresses, and occasional full-length gowns. Its selection is especially useful if you want something polished without paying a dress fortune. **Estimated average price:** $55–;$75, with an average of about **$65**. Visit [Cato Fashions](https://www.catofashions.com/) to browse dresses and find the nearest store. Cato may help you find a look that is more than a passing fad.
## 2. Kohl’s
Kohl’s often carries brands such as Nine West, Vera Wang, and Adrianna Papell, offering everything from simple sheath dresses to more formal floor-length styles. Frequent sales and Kohl’s Cash can make a formal outfit easier on your wallet, leaving more room in the budget for shoes or accessories. **Estimated average price:** $70–;$120, or about **$95** on average. Check [Kohl’s](https://www.kohls.com/) for current inventory and store pickup options. It is a solid place to make a graceful entrance without making your budget exit.
## 3. JCPenney
JCPenney is worth checking for long dresses, glittering evening styles, and labels such as Worthington and A.N.A. The store’s online selection is usually broader than what fits on the local racks, so ordering for pickup or delivery may give you more options. **Estimated average price:** $75–;$120, averaging approximately **$95**. Shop [JCPenney](https://www.jcpenney.com/) for formal dresses and pickup availability. With the right find, your outfit can go from “maybe” to “JCPen-sational.”
## 4. Belk
Belk typically offers a wider range of brands and price points, including occasionwear from brands such as Calvin Klein, Vince Camuto, and Adrianna Papell. It is a useful option if you want something a little more refined than everyday occasionwear but still want to browse multiple labels in one place. **Estimated average price:** $110–;$180, with an average near **$145**. Visit [Belk](https://www.belk.com/) to search evening dresses and check nearby availability. Belk can help your black-tie look make a belt-worthy impression.
## 5. Maurices
Maurices is best known for inclusive sizing and wearable occasion dresses, including velvet, satin, wrap, and embellished styles. While many options lean cocktail rather than ultra-formal, the right maxi dress can work beautifully with dressy accessories and heels. **Estimated average price:** $70–;$110, averaging about **$90**. Browse [Maurices](https://www.maurices.com/) before heading out. Its dresses can help you wrap up the search in style.
## 6. Walmart
Walmart can be a surprisingly useful budget option, particularly through its online marketplace, where you may find formal dresses from independent sellers and lower-cost brands. Be sure to check seller ratings, measurements, shipping dates, and return policies before ordering. **Estimated average price:** $35–;$75, or roughly **$55**. Visit [Walmart](https://www.walmart.com/) and search for “women’s black-tie dresses.” It is a wallet-wise way to dress up without letting the price tag crash the gala.
## 7. Target
Target’s local selection may focus more on cocktail and semi-formal styles, but its online inventory can include satin maxi dresses, slip dresses, and sleek evening pieces. A simple dress can become black-tie appropriate with elegant shoes, jewelry, and a tailored wrap. **Estimated average price:** $50–;$90, with an average near **$70**. Browse [Target](https://www.target.com/) for dresses and local pickup options. Target can help you hit the fashion bullseye.
## 8. Macy’s
Macy’s is a strong online option for shoppers in Frankfort who want more designer variety, including long gowns and dresses from brands such as Betsy & Adam, Adrianna Papell, and Calvin Klein. It is particularly helpful when you need a formal dress rather than a dress that merely says, “I heard there was a party.” **Estimated average price:** $120–;$250, averaging about **$185**. Shop [Macy’s](https://www.macys.com/) for black-tie dresses and delivery options. Macy’s can turn an ordinary search into a major fashion event.
## 9. Lulus
Lulus specializes in occasionwear and is popular for bridesmaid dresses, satin gowns, one-shoulder styles, and sleek minimalist designs. It is an online retailer, so order early enough to allow for shipping, alterations, and possible returns. **Estimated average price:** $100–;$220, with an average of approximately **$160**. Browse [Lulus](https://www.lulus.com/) for formal dresses. Lulus can give your wardrobe a little online couture.
## 10. Azazie
Azazie offers made-to-order dresses in a broad range of sizes, colors, and lengths, making it useful when fit and customization matter. Many dresses can be ordered with at-home try-on options, although you should review the timing and return rules carefully. **Estimated average price:** $150–;$250, averaging about **$200**. Visit [Azazie](https://www.azazie.com/) to explore gowns and formal dresses. With Azazie, your perfect fit may be just a few measurements away.
## A final bow
For the best results, start shopping at least four to six weeks before the event, especially if you need alterations or plan to order online. Bring the shoes and undergarments you expect to wear so the fit is honest rather than hemmed in by surprises. Whether you choose a local retailer or order from a Frankfort-friendly website, focus on fit, fabric, and comfort as much as sparkle. After all, the best black-tie dress is the one that lets you enjoy the evening without spending the night in a fashion tight spot.