Wilmore, KY vs. Versailles, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Wilmore vs Versailles. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Wilmore vs Versailles in 2025.
Meet the Johnsons, a family of four debating a move from Versailles to Wilmore. They’re crunching the numbers to see which city fits their budget and lifestyle best. Let’s break down the key cost of living factors to help them decide.
Housing Costs
Housing is often the biggest line item in a monthly budget. Here’s how typical housing costs compare in Wilmore and Versailles:
| Housing Type | Wilmore | Versailles |
|---|---|---|
| 2BR Apartment Rent | $850 | $1,100 |
| 3BR House Mortgage | $1,400 | $1,650 |
🏆 Winner: Wilmore. Housing costs an estimated 20% less in Wilmore compared to Versailles.
For more details, see the full breakdown of Average Monthly Expenses in Wilmore, KY.
Utilities and Energy Costs
Utility bills are another key factor. In Wilmore, expect to pay around $180 per month for electricity, gas, water, and trash for a 2BR apartment. Costs may rise about 10% in the peak of summer with air conditioning.
In Versailles, similar utility costs average $210 monthly. Both cities offer “time of use” plans to save by using appliances during off-peak hours.
🏆 Winner: Wilmore. Utility costs run about 15% lower in Wilmore.
Groceries and Daily Expenses
For a family of four, a typical monthly grocery bill in Wilmore totals around $850. Eating out twice per week adds another $320.
In Versailles, expect 5-10% higher prices at the supermarket, totaling $900 for groceries plus $350 for dining out.
🏆 Winner: Wilmore, but the difference is small. Wilmore residents save about $80 per month on food.
Taxes and Fees
Wilmore’s property tax rate is $0.88 per $100 of assessed value. For a $250K home, that equals $2,200 per year or $183 per month.
Versailles has a higher rate of $1.02 per $100 valuation. The same home would owe $2,550 annually or $213 monthly.
Both cities charge similar service fees, such as a 5% tax on utilities. HOA fees are rare in these areas.
🏆 Winner: Wilmore. Lower property taxes give Wilmore the edge, saving about $30 per month.
Cost Summary Table
| Expense | Wilmore | Versailles |
|---|---|---|
| Housing | $1,400 | $1,650 |
| Utilities | $180 | $210 |
| Groceries | $850 | $900 |
| Transportation | $350 | $380 |
| Taxes | $183 | $213 |
| Misc | $400 | $450 |
| Estimated Monthly Total | $3,363 | $3,803 |
All income figures are expressed in gross monthly income (pre-tax) for reader clarity. For a full picture, read the Cost of Living in Wilmore, KY: What You’ll Really Spend in 2025.
Lifestyle Fit
Cost is just one factor in choosing a city. Also consider:
- Wilmore has a small-town feel with more green space
- Versailles offers shorter commutes to Lexington
- Wilmore averages 5°F cooler in summer than Versailles
FAQ
Is Wilmore more affordable than Versailles?
Yes, Wilmore has a lower overall cost of living. Housing and utilities are the biggest savings.
Which city has lower rent?
Wilmore rents are about 20% cheaper than comparable apartments in Versailles.
Where is it cheaper to buy a home?
Wilmore has lower home prices and property taxes, making it more affordable for buyers. Use a moving company to keep costs down.
Conclusion
For the budget-conscious Johnsons, Wilmore comes out ahead. They could save over $400 per month on basic living costs compared to Versailles.
However, Versailles may still appeal to commuters or those who prefer a larger city. Ultimately, the choice depends on each family’s priorities and lifestyle.
Considering other cities in Kentucky? Check out our other cost of living breakdowns for the Bluegrass State.