Middletown, KY vs. Georgetown, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Middletown vs Georgetown. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Middletown vs Georgetown in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how Middletown and Georgetown compare for typical housing options:
| Housing Type | Middletown | Georgetown |
|---|---|---|
| Median 2BR Apartment Rent | $1,250 | $1,400 |
| Median 3BR Home Price | $325,000 | $360,000 |
🏆 Winner: Middletown. Housing costs are about 10-12% lower in Middletown compared to Georgetown for both renting and buying.
2. Utilities and Energy Costs
Utility bills are a major monthly expense. In Middletown, expect to pay around $180 per month for a 2BR apartment, including electricity, gas, water, and trash. Costs may be 15-20% higher in winter months.
Georgetown utility costs are fairly similar, averaging $190 per month. The city does offer an off-peak electricity plan that can provide savings for savvy consumers.
🏆 Winner: Middletown. While the difference is minor, Middletown has slightly lower utility costs on average.
3. Groceries and Daily Expenses
For a typical family of four, expect to spend around $800-$1000 per month on groceries in Middletown. Eating out costs about $12-15 per meal per person at inexpensive restaurants.
Grocery and restaurant prices in Georgetown are quite comparable – budget $850-$1050 monthly to feed a family. Groceries may cost 5% more but eating out is slightly cheaper.
🏆 Winner: Tie. Middletown and Georgetown have very similar costs for groceries and daily expenses.
4. Taxes and Fees
Middletown has slightly lower property taxes, with rates around 0.8% vs 0.9% in Georgetown. However, Georgetown has lower car tax and registration fees.
In Middletown, many neighborhoods have HOA fees from $100-300 per month. These often include amenities like pools, landscaping, and trash service. Georgetown has fewer neighborhoods with HOA fees.
🏆 Winner: Georgetown. Lower car costs and fewer HOA fees give Georgetown a slight edge.
5. Cost Summary Table
| Category | Middletown | Georgetown |
|---|---|---|
| Housing | $1,250 | $1,400 |
| Utilities | $180 | $190 |
| Groceries | $900 | $950 |
| Transportation | $350 | $325 |
| Taxes & Fees | $300 | $250 |
| Misc | $400 | $400 |
| Estimated Monthly Total | $3,380 | $3,515 |
Note: All income figures are expressed as gross monthly income (pre-tax).
6. Lifestyle Fit
While costs are important, it’s also key to consider lifestyle fit. Some quick facts:
- Middletown has more walkable neighborhoods and green space. Many errands can be done on foot.
- Georgetown offers an easier commute to major employment hubs. Drive times are 10-15 minutes shorter on average.
7. FAQ
Q: Is Middletown more affordable than Georgetown?
A: Overall, Middletown is about 4% cheaper than Georgetown. Housing and utilities are the biggest factors.
Q: Which city has lower rent?
A: Middletown has lower rental prices, with the median 2BR apartment costing about $150 less per month compared to Georgetown.
Q: Where is it cheaper to buy a home?
A: Middletown has lower home prices. The median price for a 3BR house is about $35,000 less than in Georgetown.
8. Conclusion
When comparing the cost of living in Middletown vs Georgetown, Middletown comes out slightly ahead. It offers lower housing and utility costs that can add up to real savings – around $135 per month for a typical household budget.
However, the difference is minor overall. Other factors like commute, lifestyle, and neighborhood preferences may be more important in choosing between the two cities. We recommend using tools like these Monthly Budget Examples for Middletown Residents or Cost of Living in Middletown (2025 Guide) to dig deeper into the real numbers and see which city fits your finances best.