Middletown, KY vs. Versailles, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Middletown vs Versailles. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Middletown vs Versailles in 2025.
1. Housing Costs
Housing is often the biggest factor in the cost of living. Here’s how Middletown and Versailles compare for typical housing options:
| Housing Type | Middletown | Versailles |
|---|---|---|
| Median 2BR Apartment Rent | $1,250 | $1,400 |
| Median 3BR Home Price | $325,000 | $365,000 |
🏆 Winner: Middletown. Housing costs an estimated 10-12% less in Middletown compared to Versailles.
2. Utilities and Energy Costs
Utility bills also impact monthly budgets. In Middletown, expect to pay around $180/month for electricity, gas, water, and trash for a 2BR apartment. Versailles utility costs average closer to $210/month.
Both cities experience hot summers and cool winters. Versailles utility bills may spike more in winter due to slightly colder temperatures. Middletown offers off-peak utility plans that can help manage summer A/C costs.
🏆 Winner: Middletown’s lower utility rates give it the edge.
3. Groceries and Daily Expenses
For a family of four, expect to budget around $900/month for groceries in Middletown. The same groceries in Versailles typically cost about 5% more, totaling $945/month.
Eating out is also slightly cheaper in Middletown. A meal for two at a mid-range restaurant averages $50 in Middletown vs $55 in Versailles.
🏆 Winner: Middletown takes the lead again, though the difference is minor for daily expenses.
4. Taxes and Fees
Middletown has a slightly lower property tax rate of 0.85% compared to Versailles’ 0.95%. For a $350K home, that’s a difference of $350/year.
In Middletown, HOA fees often include landscaping and trash, which can help offset other costs. Versailles has fewer neighborhoods with HOAs.
🏆 Winner: Middletown’s lower property taxes give it another small advantage.
Cost Summary Table
| Expense Category | Middletown | Versailles |
|---|---|---|
| Housing (3BR Home) | $1,900 | $2,100 |
| Utilities | $180 | $210 |
| Groceries | $900 | $945 |
| Transportation | $350 | $300 |
| Taxes (Property) | $230 | $260 |
| Misc Expenses | $500 | $500 |
| Estimated Monthly Total | $4,060 | $4,315 |
Lifestyle Fit
While Middletown wins on cost, Versailles has its perks. Versailles offers a quaint, historic downtown with local shops and restaurants. It’s also known for its walkability and charm.
Middletown provides more suburban comforts – newer housing, larger yards, and easy access to chain stores and services. Middletown is about 10 minutes closer to downtown Louisville, which can mean an easier commute.
FAQ
- Is Middletown more affordable than Versailles? Yes, the cost of living in Middletown is estimated to be 5-10% lower than Versailles as of 2025.
- Which city has lower rent? Middletown has lower rent, with a typical 2BR apartment costing $150 less per month than in Versailles.
- Where is it cheaper to buy a home? Middletown’s median home prices are about 10% lower than Versailles. Use this [Monthly Budget Examples for Middletown Residents](/middletown-ky/monthly-budget/) guide to estimate housing costs.
Conclusion
While both cities provide a high quality of life, Middletown comes out ahead on living costs. Families looking to stretch their budget will find Middletown provides great value. However, those drawn to the walkable charm of a historic downtown may prefer Versailles despite the small premium.
Ultimately, the best fit depends on your lifestyle priorities and budget. Be sure to review this full [Cost of Living in Middletown (2025 Guide)](/middletown-ky/cost-overview/) for more details. With the right planning, you can find your ideal home in either of these attractive Kentucky communities.