Middletown, KY vs. Lexington, KY: Cost of Living Comparison (2025)
Relocating to Middletown or Lexington, Kentucky in 2025? Housing costs alone are 22% lower in Middletown, with a typical 2-bedroom apartment renting for $400 less per month compared to Lexington. This cost of living comparison breaks down the key differences between Middletown vs Lexington, perfect for families, professionals, and anyone weighing where to live in the Bluegrass State.
1. Housing Costs
The median home price in Middletown is $325,000 compared to $395,000 in Lexington. Renting is also more affordable in Middletown:
| Housing Type | Middletown | Lexington |
|---|---|---|
| 2BR Apartment | $1,250 | $1,650 |
| 3BR House | $1,800 | $2,200 |
🏆 Winner: Middletown
2. Utilities and Energy Costs
Utility costs are comparable between the two cities, with Middletown residents paying about 5% less on average. A typical household in Middletown spends around $180/month on electricity, water, and gas. Lexington utility bills average closer to $190/month.
Both cities experience hot summers and cold winters, so expect higher heating and cooling costs than more temperate regions. Middletown and Lexington offer “time of use” plans to help lower energy bills.
🏆 Winner: Middletown
3. Groceries and Daily Expenses
Grocery costs are very similar in Middletown and Lexington. Expect to budget around $400 per month for food for a single person, or $1,100 for a family of four. Eating out is slightly cheaper in Middletown, with a basic meal costing about $12 vs $14 in Lexington.
Other daily expenses like gas, clothing, and household goods are nearly identical. Middletown has a slight edge, but the difference is under 2%.
🏆 Winner: Tie
4. Taxes and Fees
Middletown has lower property taxes, with an average rate of 0.85% compared to Lexington’s 1.1%. For a $350,000 home, that’s a difference of $875 per year.
Both cities charge similar fees for services like trash and recycling. In Middletown, HOA fees often include landscaping and exterior maintenance. Lexington HOAs tend to cover just common area upkeep.
🏆 Winner: Middletown
5. Cost Summary
| Category | Middletown | Lexington |
|---|---|---|
| Housing | $1,800 | $2,200 |
| Utilities | $180 | $190 |
| Groceries | $400 | $400 |
| Transportation | $60 | $75 |
| Taxes | $248 | $321 |
| Misc | $250 | $275 |
| Estimated Monthly Total | $2,938 | $3,461 |
6. Lifestyle Fit
Middletown offers more square footage for your dollar, with larger apartments and homes compared to Lexington. However, Lexington boasts better walkability and public transit. Commute times are 10-15 minutes longer in Middletown.
Lexington has a vibrant downtown with more dining and entertainment options. Middletown is quieter and more residential. Both cities get humid summers and chilly winters, with Lexington averaging a few inches more snow.
7. FAQ
- Is Middletown more affordable than Lexington? Yes, the overall cost of living is about 15% lower in Middletown, driven largely by cheaper housing.
- Which city has lower rent? Middletown rents are around 20-25% lower than comparable apartments in Lexington.
- Where is it cheaper to buy a home? The median home price in Middletown is about $70,000 less than in Lexington as of 2025.
8. Conclusion
Middletown is the clear winner for affordability, with lower costs for housing, utilities, and taxes. It’s an excellent fit for families craving space or anyone looking to get more bang for their buck. Lexington is pricier but offers a more dynamic urban lifestyle. It’s ideal for young professionals who value walkability over square footage.
Budgeting for a move to Middletown or Lexington? Check out our guides on monthly budget examples for Middletown residents and the full cost of living in Middletown for 2025. With a clear picture of the cost differences between these two great Kentucky cities, you’ll be one step closer to calling the Bluegrass State home.