Winchester, KY vs. Georgetown, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Winchester vs Georgetown. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Winchester vs Georgetown in 2025.
1. Housing Costs
Housing is one of the biggest factors in the cost of living. Here’s how typical housing expenses compare between Winchester and Georgetown:
| Housing Type | Winchester | Georgetown |
|---|---|---|
| Median 2BR Apartment Rent | $950 | $1,100 |
| Median 3BR Home Price | $225,000 | $260,000 |
🏆 Winner: Winchester
2. Utilities and Energy Costs
Utility bills can add up quickly. In Winchester and Georgetown, you can expect to pay around the following each month:
- Winchester: $120-$180
- Georgetown: $140-$200
Winchester residents may see higher heating bills in the winter, while Georgetown has steadier costs year-round. Both cities offer off-peak energy plans to help manage expenses.
🏆 Winner: Winchester
3. Groceries and Daily Expenses
The cost of groceries, dining out, and everyday items is fairly similar between Winchester and Georgetown. Budget around $400-$600 per person monthly in both cities.
Winchester has more discount grocery options, while Georgetown offers a wider variety of specialty stores and restaurants. Costs balance out overall.
🏆 Winner: Tie
4. Taxes and Fees
Property taxes and city fees can sneak up on you. Here’s what to plan for:
- Winchester property tax rate: 0.85%
- Georgetown property tax rate: 0.92%
- HOA fees in Winchester often include landscaping and trash
- Georgetown has more public transportation options with associated fees
🏆 Winner: Winchester
5. Cost Summary Table
| Expense | Winchester | Georgetown |
|---|---|---|
| Housing | $950 | $1,100 |
| Utilities | $150 | $170 |
| Groceries | $400 | $400 |
| Transportation | $60 | $80 |
| Taxes & Fees | $250 | $300 |
| Misc | $200 | $200 |
| Estimated Monthly Total | $2,010 | $2,250 |
All income figures are expressed in gross monthly income (pre-tax).
6. Lifestyle Fit
While costs are important, your lifestyle preferences matter too. Consider these factors:
- Winchester offers more affordable housing and space
- Georgetown is more walkable with better public transit
- Commute times are 10-15 minutes longer in Winchester on average
- Georgetown has a busier feel and slightly milder climate
7. FAQ
Is Winchester more affordable than Georgetown?
Yes, the cost of living is around 10% lower in Winchester. Housing and utilities tend to be cheaper.
Which city has lower rent?
Winchester has lower typical rent, with a median 2BR apartment renting for $950 vs $1,100 in Georgetown.
Where is it cheaper to buy a home?
Winchester has lower home prices. A typical 3BR house costs $225,000 in Winchester compared to $260,000 in Georgetown.
8. Conclusion
Overall, Winchester offers a lower cost of living than Georgetown, especially for housing. It’s a great fit for those seeking affordability and more space. However, Georgetown can be worth the premium for its walkability, transit, and milder climate.
Budgets are personal, so weigh what matters most to you. For more insights, read our Monthly Budget Examples for Winchester Residents and Cost of Living in Winchester (2025 Guide).