Valley Station, KY vs. Georgetown, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Valley Station vs Georgetown. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Valley Station vs Georgetown in 2025.
1. Housing Costs
Housing is one of the biggest factors in the cost of living. Here’s how typical rent and home prices compare in Valley Station and Georgetown:
| Housing Type | Valley Station | Georgetown |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $950 | $1,100 |
| 3BR House (Median Price) | $280,000 | $350,000 |
🏆 Winner: Valley Station has lower housing costs across the board, with rent around 15% cheaper and home prices about 20% less than Georgetown.
2. Utilities and Energy Costs
Utility bills are another important monthly expense. In Valley Station, expect to pay around $120/month for electricity, $40 for gas, and $50 for water and sewer. Costs are similar in Georgetown, averaging $130 for electricity, $45 for gas, and $55 for water.
🏆 Winner: It’s nearly a tie, but Valley Station edges out Georgetown by about 5-10% on typical utility bills.
3. Groceries and Daily Expenses
For groceries and everyday items, costs are comparable between the two cities. A gallon of milk averages $3.50 in Valley Station and $3.60 in Georgetown. Restaurant prices are also similar, with a mid-range dinner for two around $50 in both places.
🏆 Winner: Draw. Grocery and daily living costs are practically identical in Valley Station and Georgetown.
4. Taxes and Fees
Kentucky’s statewide sales tax is 6%, which applies to both cities. However, Valley Station has slightly lower property taxes, averaging 0.8% vs Georgetown’s 0.9% rate. Vehicle taxes and registration fees are the same.
In Valley Station, HOA fees often include landscaping and trash, ranging from $100-300/month. Georgetown has fewer HOAs but fees are similar.
🏆 Winner: Valley Station. The property tax difference is minor but gives Valley Station a slight edge.
5. Cost Summary Table
| Category | Valley Station | Georgetown |
|---|---|---|
| Housing (3BR) | $1,500 | $1,800 |
| Utilities | $210 | $230 |
| Groceries | $400 | $400 |
| Transportation | $300 | $250 |
| Taxes & Fees | $250 | $280 |
| Misc Expenses | $340 | $340 |
| Estimated Monthly Total | $3,000 | $3,300 |
6. Lifestyle Fit
While costs are important, also consider how each city fits your lifestyle. Some key differences:
- Georgetown is more walkable and has better public transit. Valley Station is more car-dependent.
- Georgetown averages 5°F cooler than Valley Station in the summer.
- Valley Station offers more space and larger yards for the money.
- Georgetown has lower crime rates and is known as a quiet suburb.
7. FAQ
Q: Is Valley Station more affordable than Georgetown?
A: Yes, the cost of living is about 10% lower in Valley Station, mainly due to cheaper housing.
Q: Which city has lower rent?
A: Valley Station has lower rent, with a typical 2BR apartment around $950/month vs $1,100 in Georgetown.
Q: Where is it cheaper to buy a home?
A: Homes cost about 20% less in Valley Station. The median price for a 3BR is $280K in Valley Station and $350K in Georgetown.
8. Conclusion
Overall, Valley Station offers a lower cost of living than Georgetown, primarily due to more affordable housing. A household moving from Georgetown to Valley Station might save $300-400 per month on expenses.
However, Georgetown may be worth the added cost for those who prefer a more walkable area, shorter commutes, and cooler summers. Ultimately, the best fit depends on your budget, lifestyle, and what you value most.
For more insights, read our guides on Monthly Budget Examples for Valley Station Residents and the full Cost of Living in Valley Station (2025 Guide).