Georgetown, KY vs. Winchester, KY: Cost of Living Comparison (2025)
Considering a move to Georgetown or Winchester, Kentucky? Let’s dive into a rapid-fire cost of living comparison between these two charming cities:
- 🏠 Median home price: $325,000 in Georgetown vs. $280,000 in Winchester
- ⚡ Average utility bill: $180/month in Georgetown vs. $210/month in Winchester
- 🥑 Typical grocery bill for a family of 4: $850/month in Georgetown vs. $800/month in Winchester
- 💰 Median household income: $6,500/month in Georgetown vs. $5,800/month in Winchester
This article provides a detailed cost of living comparison between Georgetown and Winchester. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life expenses of living in Georgetown vs Winchester in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Georgetown and Winchester stack up:
| Housing Type | Georgetown | Winchester |
|---|---|---|
| Median Home Price | $325,000 | $280,000 |
| Median Rent (2BR) | $1,400 | $1,200 |
🏆 Winner: Winchester. Housing costs are about 15% lower in Winchester compared to Georgetown.
2. Utilities and Energy Costs
Utility bills can add up. Here’s what to expect in each city:
- Georgetown: $180/month average
- Winchester: $210/month average
Winters are a bit colder in Georgetown, so heating bills tend to be higher. However, both cities offer “time of use” electric plans that provide cheaper rates during off-peak hours.
🏆 Winner: Georgetown. Despite the chilly winters, Georgetown residents pay about 15% less for utilities on average.
3. Groceries and Daily Expenses
For a typical family of four, here’s how much you might spend on groceries and dining out each month:
- Georgetown: $850/month
- Winchester: $800/month
Prices for everyday items like gas, clothes, and entertainment are fairly similar between the two cities. However, Winchester has a slight edge thanks to more discount grocery options.
🏆 Winner: Winchester. Expect to save around 5-10% on groceries and daily expenses in Winchester compared to Georgetown.
4. Taxes and Fees
Don’t forget about taxes! Here’s a quick comparison:
- Georgetown property tax rate: 0.85%
- Winchester property tax rate: 0.92%
- Georgetown HOA fees: $200-400/month (often includes landscaping and trash)
- Winchester HOA fees: $150-300/month
🏆 Winner: Georgetown. The lower property tax rate and included amenities with many HOA fees give Georgetown the advantage here.
5. Cost Summary
| Expense | Georgetown | Winchester |
|---|---|---|
| Housing | $1,800 | $1,500 |
| Utilities | $180 | $210 |
| Groceries | $850 | $800 |
| Transportation | $500 | $450 |
| Taxes | $400 | $380 |
| Misc | $600 | $550 |
| Estimated Monthly Total | $4,330 | $3,890 |
6. Lifestyle Fit
Of course, cost is just one factor. Consider some key lifestyle differences:
- Georgetown offers more spacious homes and lots, while Winchester is more walkable
- Commute times are about 20% longer in Georgetown
- Georgetown averages 5°F colder in January than Winchester
- Winchester has 30% more public parks and green space
7. FAQs
Q: Is Georgetown more affordable than Winchester?
A: Overall, Winchester is about 10% cheaper than Georgetown. The biggest savings are in housing, groceries, and transportation.
Q: Which city has lower rent?
A: Winchester has lower rental prices, with the median 2BR apartment renting for $1,200/month compared to $1,400/month in Georgetown.
Q: Where is it cheaper to buy a home?
A: Winchester takes the lead again. The median home price is $280,000 in Winchester vs. $325,000 in Georgetown.
8. Conclusion
So, which city comes out ahead in this cost of living showdown? It depends on your priorities. Winchester offers lower housing costs and easy walkability, while Georgetown provides more space and lower utility bills.
Budget-conscious families may prefer Winchester, while those seeking a slower pace and room to spread out should consider Georgetown. Be sure to check out our other cost of living resources for Georgetown and sample monthly budgets to help plan your move.