Jeffersontown, KY vs. Nicholasville, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Jeffersontown vs Nicholasville. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Jeffersontown vs Nicholasville in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Jeffersontown and Nicholasville stack up:
| Housing Type | Jeffersontown | Nicholasville |
|---|---|---|
| Median 2BR Apartment Rent | $1,150 | $1,050 |
| Median 3BR Home Price | $325,000 | $290,000 |
🏆 Winner: Nicholasville
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $150-200 per month for electricity, water, and gas in a 2BR apartment. Costs may be slightly higher in Jeffersontown due to the hotter summers. Both cities offer “time of use” plans to save on off-peak energy.
🏆 Winner: Nicholasville
3. Groceries and Daily Expenses
Grocery costs are comparable in Jeffersontown and Nicholasville. Budget around $400-500 per month for a family of four. Restaurant prices are also similar, with a mid-range meal for two costing about $50 in either city.
🏆 Winner: Tie
4. Taxes and Fees
Jeffersontown has slightly higher property taxes, with an average rate of 0.96% compared to Nicholasville’s 0.88%. However, Nicholasville has more HOAs, which can add $100-300 per month in fees. In Jeffersontown, HOA fees often include landscaping and trash service.
🏆 Winner: Jeffersontown
5. Cost Summary
| Category | Jeffersontown | Nicholasville |
|---|---|---|
| Housing | $1,150 | $1,050 |
| Utilities | $200 | $175 |
| Groceries | $500 | $500 |
| Transportation | $200 | $150 |
| Taxes | 0.96% | 0.88% |
| Misc | $300 | $300 |
| Estimated Monthly Total | $2,350 | $2,175 |
All income figures are expressed in gross monthly income (pre-tax). Keep in mind that these are estimates and your actual cost of living will depend on your specific lifestyle and needs.
6. Lifestyle Fit
While Nicholasville is slightly cheaper overall, Jeffersontown offers a few lifestyle advantages:
- More walkable neighborhoods and parks
- Shorter commute times to downtown Louisville
- Slightly cooler summer temperatures
However, Nicholasville has more public transportation options, which can help cut transportation costs. It also tends to have larger homes and lots for the price.
7. FAQ
Is Jeffersontown more affordable than Nicholasville?
Nicholasville has a slightly lower overall cost of living, mainly due to cheaper housing. However, the difference is small and may be offset by lifestyle factors.
Which city has lower rent?
Nicholasville has lower median rents, with a typical 2BR apartment costing about $100 less per month than in Jeffersontown.
Where is it cheaper to buy a home?
Home prices are about 10% lower in Nicholasville. However, Jeffersontown homes may offer advantages like walkability and shorter commutes that add value.
8. Conclusion
Jeffersontown and Nicholasville offer a similar cost of living, with Nicholasville being slightly cheaper overall. The best fit depends on your lifestyle priorities.
Choose Jeffersontown if you value walkability, park access, and proximity to Louisville. It’s great for young professionals and families who don’t mind paying a bit more for housing.
Choose Nicholasville if you’re looking for the most affordable housing and don’t mind a longer commute. It’s ideal for those who want more space on a budget.
For more details, check out our guides on Monthly Budget Examples for Jeffersontown Residents and Cost of Living in Jeffersontown (2025 Guide). You can also compare other Kentucky cities to find the perfect fit for your needs and budget.