Lexington, KY vs. Georgetown, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Lexington vs Georgetown. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Lexington vs Georgetown in 2025.
1. Housing Costs
Housing is one of the biggest factors in the cost of living difference between Lexington and Georgetown. Here’s how typical rent and mortgage prices compare:
| Housing Type | Lexington | Georgetown |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,250 | $950 |
| 3BR House (Median Price) | $325,000 | $275,000 |
🏆 Winner: Georgetown
2. Utilities and Energy Costs
Utility bills are fairly similar between the two cities, with Lexington residents paying about 5% more on average. Expect monthly utility costs around:
- Lexington: $180–$220
- Georgetown: $170–$210
Both cities experience hot summers and cool winters, so seasonal usage doesn’t vary drastically. Lexington offers a few more energy-efficiency incentive programs.
🏆 Winner: Georgetown
3. Groceries and Daily Expenses
Grocery costs are nearly identical in Lexington and Georgetown. Eating out tends to be 10–15% cheaper in Georgetown, while common goods like clothing and household items are priced similarly.
🏆 Winner: Georgetown
4. Taxes and Fees
Property tax rates are slightly lower in Georgetown (0.88% vs 0.93% in Lexington). City service fees are comparable, though Lexington HOA fees often include more amenities. Vehicle taxes and registration fees are the same statewide.
🏆 Winner: Georgetown
5. Cost Summary Table
| Category | Lexington | Georgetown |
|---|---|---|
| Housing | $1,250 | $950 |
| Utilities | $200 | $190 |
| Groceries | $400 | $390 |
| Transportation | $60 | $75 |
| Taxes | $250 | $225 |
| Misc | $250 | $220 |
| Estimated Monthly Total | $2,410 | $2,050 |
6. Lifestyle Fit
While Georgetown offers a lower cost of living overall, Lexington provides more space, walkability, and public transit. Traffic and noise levels are similar. Lexington is about 5°F cooler on average in the summer.
7. FAQ
- Is Lexington more affordable than Georgetown? No, Georgetown has a lower cost of living across most categories.
- Which city has lower rent? Rent prices are about 25% lower in Georgetown for comparable apartments.
- Where is it cheaper to buy a home? The median home price in Georgetown is roughly $50,000 less than in Lexington.
8. Conclusion
For most lifestyles, Georgetown offers a meaningfully lower cost of living than Lexington. A household moving from Lexington to Georgetown might save $400/month on housing alone. However, Lexington provides more amenities and a slightly cooler climate that some residents prefer.
To further evaluate your budget, check out these Monthly Budget Examples for Lexington Residents and our full Cost of Living in Lexington (2025 Guide). Similar cost of living breakdowns are available for other cities in Kentucky.