Louisville, KY vs. Georgetown, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Louisville vs Georgetown. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Louisville vs Georgetown in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living differences. Here’s how Louisville and Georgetown compare for common housing options:
| Housing Type | Louisville | Georgetown |
|---|---|---|
| Median 2BR Apartment Rent | $1,250 | $1,050 |
| Median 3BR Home Price | $325,000 | $275,000 |
🏆 Winner: Georgetown. Housing costs an estimated 15-20% less in Georgetown compared to Louisville.
2. Utilities and Energy Costs
Utility costs are another important factor. In Louisville and Georgetown, typical utility bills for a 2BR apartment range:
- Electricity: $100-140/month
- Water/Sewer/Trash: $60-90/month
- Internet: $50-80/month
Costs are similar between the two cities, but Georgetown has slightly lower utility rates on average.
🏆 Winner: Georgetown, but only by a small margin. Utility costs are comparable.
3. Groceries and Daily Expenses
Grocery costs are very similar between Louisville and Georgetown. Expect to spend around $350-450/month on groceries for a couple. Restaurant prices are also nearly identical.
🏆 Winner: Tie. There is no significant difference in food costs between the cities.
4. Taxes and Fees
Kentucky has a 6% state sales tax. Property taxes are slightly higher in Louisville – around 1.1% vs 0.9% in Georgetown. City service fees like trash and recycling are bundled into utility bills in both places.
🏆 Winner: Georgetown has a slight edge with lower property taxes, but the difference is small for most households.
5. Cost Summary Table
| Category | Louisville | Georgetown |
|---|---|---|
| Housing | $1,250 – $1,800 | $1,050 – $1,500 |
| Utilities | $210 – $310 | $200 – $290 |
| Groceries | $350 – $450 | $350 – $450 |
| Transportation | $60 – $100 | $50 – $90 |
| Taxes | 1.1% property tax | 0.9% property tax |
| Misc | $200 – $400 | $200 – $400 |
| Estimated Monthly Total | $2,070 – $3,060 | $1,850 – $2,730 |
6. Lifestyle Fit
Louisville offers more of a mid-size city feel with urban amenities, public transit, and walkable neighborhoods. It has a slightly longer average commute. Georgetown provides a smaller town vibe, lower density, and easier parking. Both have a similar four-season climate.
- Louisville is 8x larger than Georgetown by population.
- Georgetown has 20% more sunny days per year.
7. FAQ
- Is Louisville more affordable than Georgetown? No, Georgetown has a lower overall cost of living, mainly due to cheaper housing.
- Which city has lower rent? Georgetown has lower average rent prices by about 15-20%.
- Where is it cheaper to buy a home? Home prices and mortgages are more affordable in Georgetown.
8. Conclusion
While the cost of living is lower in Georgetown, KY, both cities offer a good quality of life for the price. Housing is the main difference, with Georgetown providing more affordable rent and home prices. Louisville is a great fit for those wanting a more lively city atmosphere, while Georgetown appeals to people seeking a laid-back suburban lifestyle.
To dive deeper, read our full Cost of Living in Louisville (2025 Guide) or see Monthly Budget Examples for Louisville Residents to plan your expenses in more detail.