Florence, KY vs. Fairfield, OH: Cost of Living Comparison (2025)
Contrary to popular belief, living in Florence, KY is actually more affordable than Fairfield, OH for most households. This article provides a detailed cost of living comparison between Florence and Fairfield. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life costs of these two cities in 2025.
Housing Costs
Housing is the biggest factor in the cost of living difference between Florence and Fairfield. Here’s how typical rental and purchase prices compare:
| Housing Type | Florence | Fairfield |
|---|---|---|
| Median 2BR Apartment Rent | $1,250 | $1,450 |
| Median 3BR Home Price | $325,000 | $375,000 |
🏆 Winner: Florence. Housing costs an estimated $200 less per month in Florence compared to Fairfield.
Utilities and Energy Costs
Utility bills are fairly similar between the two cities, but Florence has slightly lower electricity and water/sewer rates on average:
- Typical utilities in Florence: $180-$220/month
- Typical utilities in Fairfield: $200-$240/month
Both areas have relatively mild winters and hot summers, so expect higher A/C bills June through September. Check for off-peak utility plans to save.
🏆 Winner: Florence, but only by about $20/month.
Groceries and Daily Expenses
Grocery costs are nearly identical in Florence and Fairfield. Budget around $400/month for a typical family. Restaurant prices are also comparable, though Florence has slightly lower fast food and chain prices.
🏆 Winner: Tie. Expect to spend about the same on food and daily goods in either city.
Taxes and Fees
While Kentucky has lower income taxes than Ohio overall, Boone County (Florence) has slightly higher property taxes than Butler County (Fairfield). Typical rates:
- Florence property tax: 0.96% of assessed value
- Fairfield property tax: 0.89% of assessed value
HOA fees are common in both areas, typically ranging from $150-300/month. In Florence, these often include community amenities and services like trash and landscaping.
🏆 Winner: Fairfield, but only slightly. Budget about $30/month more for property taxes and fees in Florence.
Cost of Living Summary
| Expense Category | Florence | Fairfield |
|---|---|---|
| Housing | $1,250 | $1,450 |
| Utilities | $200 | $220 |
| Groceries | $400 | $400 |
| Transportation | $300 | $250 |
| Taxes & Fees | $430 | $400 |
| Misc Expenses | $250 | $250 |
| Estimated Monthly Total | $2,830 | $2,970 |
Lifestyle Fit
While the costs are comparable, each city offers a different pace of life:
- Florence has more space and a slower, suburban feel
- Fairfield offers more density and walkability to restaurants and shops
- Fairfield averages 5°F warmer than Florence year-round
Fairfield also has more public transportation options for commuters. Consider your priorities for housing type, yard space, and accessibility.
Frequently Asked Questions
Q: Is Florence more affordable than Fairfield?
A: Yes, the cost of living is about 5% lower in Florence, mainly due to cheaper housing. See our guide on the cost of living in Florence for a full breakdown.
Q: Which city has lower rent?
A: Florence has lower apartment rental rates on average, by about $200/month for a 2-bedroom unit.
Q: Where is it cheaper to buy a home?
A: Florence has lower median home prices, saving buyers around $50,000 on a typical 3-bedroom house compared to Fairfield.
The Bottom Line
While both cities offer a good quality of life, Florence comes out ahead on affordability for most households. Families and those looking for more space for their budget will likely prefer Florence. Young professionals who prioritize walkability and don’t mind a smaller home may favor Fairfield.
Of course, the right choice depends on your specific housing needs, commute, and lifestyle priorities. Be sure to compare your personalized monthly budget in Florence and run the numbers for your situation. And if you’re planning a move, consider whether moving pods or trucks are the most cost-effective option.