Georgetown, KY vs. Nicholasville, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Georgetown vs Nicholasville. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Georgetown vs Nicholasville in 2025.
Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical housing expenses compare between Georgetown and Nicholasville:
| Housing Type | Georgetown | Nicholasville |
|---|---|---|
| Median 2BR Apartment Rent | $1,050 | $1,200 |
| Median 3BR Home Price | $280,000 | $310,000 |
🏆 Winner: Georgetown
Utilities and Energy Costs
Utility bills are a major monthly expense. In Georgetown, expect to pay around $180/month for a typical household’s electricity, gas, water, and trash. Nicholasville utility costs average about $200/month. Both cities experience hot summers and cool winters, so budget for higher A/C and heating bills seasonally.
🏆 Winner: Georgetown
Groceries and Daily Expenses
For a family of four, a typical monthly grocery budget in Georgetown is around $800-$1,000. In Nicholasville, expect to spend closer to $850-$1,100 per month for similar groceries and household goods. Restaurant prices are comparable between the two cities.
🏆 Winner: Georgetown
Taxes and Fees
Georgetown has a slightly lower property tax rate of 0.9% compared to Nicholasville’s 1.1%. However, many Georgetown neighborhoods have HOA fees that can add $100-$300/month. Nicholasville has fewer HOAs overall.
🏆 Winner: Nicholasville
Cost of Living in Georgetown vs Nicholasville: Summary
| Expense | Georgetown | Nicholasville |
|---|---|---|
| Housing | $1,400 | $1,600 |
| Utilities | $180 | $200 |
| Groceries | $900 | $1,000 |
| Transportation | $500 | $450 |
| Taxes & Fees | $300 | $250 |
| Misc | $500 | $500 |
| Estimated Monthly Total | $3,780 | $4,000 |
Lifestyle Fit
Georgetown offers more affordable housing and slightly lower living costs overall. However, Nicholasville has more public transportation and walkable areas. Nicholasville averages 2°F warmer than Georgetown year-round. Consider your commute, budget, and lifestyle priorities.
For more insights, check out these Monthly Budget Examples for Georgetown Residents.
Frequently Asked Questions
- Is Georgetown more affordable than Nicholasville?
Overall, Georgetown has a lower cost of living, with cheaper housing, utilities, and groceries. However, some neighborhoods have high HOA fees.
- Which city has lower rent?
On average, rent prices are about 10-15% lower in Georgetown compared to similar apartments in Nicholasville.
- Where is it cheaper to buy a home?
Georgetown has lower median home prices, with a typical 3BR house costing around $30,000 less than in Nicholasville as of 2025.
Conclusion
When comparing the cost of living in Georgetown vs Nicholasville, Georgetown comes out ahead for most expenses, especially housing. However, Nicholasville can be a great fit for those who value walkability and don’t mind slightly higher living costs.
For a full picture, read our Cost of Living in Georgetown (2025 Guide). We also have cost of living breakdowns for other Kentucky cities to help you find the perfect budget fit!