Wilmore is considered relatively affordable in 2025, with average rent for a 2-bedroom apartment at $1,100 and grocery costs slightly below the national average.
Living in Wilmore, KY in 2025 costs around $2,800 per month for a single person and $4,000 for a family of three. Housing is the biggest expense, followed by groceries, utilities, and transportation. Here’s a detailed look at the monthly costs of living comfortably in this charming Kentucky town.
Housing Costs in Wilmore
In Wilmore, you’ll find a mix of single-family homes, townhouses, and apartments. Renting a 2-bedroom apartment typically costs between $900 and $1,300 per month, with an average around $1,100. Buying a 3-bedroom house ranges from $180,000 to $350,000, depending on the neighborhood and property condition.
Some of the more affordable areas to rent or buy include:
- Downtown Wilmore: Older homes and apartments, walkable to shops and restaurants
- Talbott Drive area: Mix of newer and older single-family homes
- Corbitt Drive area: Primarily townhomes and condos
Pricier neighborhoods tend to have larger lots, newer construction, and more amenities. Examples include Winding Way Estates and Sycamore Farms. HOA fees in these areas can add $100-300 per month.
Utility Costs
Basic utilities in Wilmore cost around $180 per month for a 1-2 person household and $250 for a family. This includes electricity, gas, water, and trash. Expect cooling costs to rise by about 20% in the hot summer months.
| Utility | Avg. Monthly Cost |
|---|---|
| Electricity | $90 |
| Gas | $40 |
| Water/Sewer | $35 |
| Trash | $15 |
Groceries and Food
Groceries in Wilmore cost about 5% less than the national average. Plan on spending around $350 per month for a single person and $900 for a family of three. This covers basics like milk ($3.50/gallon), bread ($2.50/loaf), eggs ($2/dozen), and ground beef ($4.50/lb).
Dining out is relatively affordable, with a meal at a casual restaurant averaging $12-15 per person. A 3-course dinner for two at a mid-range restaurant runs about $50-60.
Taxes and Fees
The property tax rate in Wilmore is $0.96 per $100 of assessed value. For a $250,000 home, that equates to $2,400 per year or $200 per month. Kentucky’s statewide sales tax is 6%, and Wilmore doesn’t add any local sales tax on top of that.
Vehicle owners pay an annual registration renewal fee of $21. Drivers must also pay a county wheel tax based on vehicle type (e.g., $20 for passenger cars).
Monthly Budget Summary
| Expense | Single Person | Couple | Family of 3 |
|---|---|---|---|
| Housing (rent) | $1,100 | $1,100 | $1,500 |
| Utilities | $180 | $200 | $250 |
| Groceries | $350 | $650 | $900 |
| Transportation | $300 | $400 | $500 |
| Healthcare | $250 | $500 | $600 |
| Entertainment | $200 | $300 | $400 |
| Total | $2,830 | $3,650 | $4,650 |
Note: All figures are gross monthly income estimates (pre-tax). Actual budgets will vary.
Lifestyle Factors
Wilmore offers a slower pace of life compared to nearby Lexington. Most neighborhoods are quiet and family-friendly, with ample green space. Commute times for those working in town are typically under 15 minutes.
Homes in the downtown area tend to be smaller and older, but offer the convenience of walking to shops, restaurants, and Asbury University. Newer developments on the outskirts provide more square footage and amenities, but require driving for most errands.
Wilmore has several parks, a farmers market, and community events throughout the year. However, for major shopping, dining, and entertainment options, most residents make the 20-mile trip to Lexington.
Frequently Asked Questions
What salary do you need to live comfortably in Wilmore?
To live comfortably, a single person needs a gross monthly income of at least $2,800. For a family of three, aim for $4,000-5,000.
Is Wilmore cheaper than Lexington?
Yes, the cost of living in Wilmore is about 10% lower than in Lexington, primarily due to more affordable housing.
Are utilities expensive in Wilmore?
Utilities are fairly average, totaling around $180/month for a 1-2 person household. Costs are highest in summer due to air conditioning.
How much is the average rent in Wilmore?
As of 2025, average rent for a 2-bedroom apartment in Wilmore is $1,100 per month. Prices range from $900 to $1,300.
What is the property tax rate in Wilmore?
Wilmore’s property tax rate is $0.96 per $100 of assessed value. For a $250,000 home, that’s $2,400 per year.
Is it better to rent or buy in Wilmore?
It depends on your budget and long-term plans. Renting provides more flexibility, while buying can be a good investment if you plan to stay 5+ years. Talk to a local real estate agent to weigh your options.
How much do I need to budget for food in Wilmore?
Plan on spending around $350 per month on groceries for a single person and $900 for a family of three. Dining out adds an extra $150-300 per person monthly.
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