Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Cost of Living in Lexington, KY

Lexington-Fayette, KY — prices, rents and what jobs really pay here after taxes.

Price level
92.9
U.S. average = 100 · #212 of 387
Median wage
$48,620
all jobs · $3,305/mo take-home
1-bedroom rent
$1,079
HUD fair market rent
▲2.2%
Pay trend: The median for all workers in Lexington, KY rose from $47,580 (May 2024) to $48,620 (May 2025). That roughly kept pace with inflation (2.4%).

Salary comparison calculator

What would you need to earn in Lexington, KY to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
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    How expensive is Lexington, KY?

    With a price level of 92.9 (U.S. average = 100), Lexington, KY is cheaper than average. In detail, housing costs are 23% below average; everyday goods are 4% below average; utilities are 25% below average; other services such as healthcare and dining are 3% below average. The biggest difference from the national average is in utilities.

    Prices in Lexington, KY vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items92.9−7.1%
    Housing77.1−22.9%
    Goods96.2−3.8%
    Utilities74.6−25.4%
    Other services96.9−3.1%

    Source: BEA Regional Price Parities, 2024.

    Rent in Lexington, KY

    UnitMonthly rentIncome needed (30% rule)
    Studio$883$35,320/yr
    1 bedroom$1,079$43,160/yr
    2 bedrooms$1,272$50,880/yr
    3 bedrooms$1,743$69,720/yr
    4 bedrooms$1,940$77,600/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Salary needed to live in Lexington, KY

    To keep the same standard of living as in an average-priced U.S. city, you would need to earn roughly:

    Salary in an average U.S. cityEquivalent in Lexington, KYTake-home here
    $40,000$37,200$30,886
    $60,000$55,700$45,103
    $80,000$74,300$58,617
    $100,000$92,900$71,051
    $150,000$139,300$101,720

    Scaled by the BEA price level (pre-tax). Take-home: single filer, Kentucky 2026 taxes. For a tax-aware comparison with a specific city, use the calculator above.

    A monthly budget on the median wage

    A single worker earning Lexington, KY's median wage of $48,620 takes home about $3,305 a month. A typical one-bedroom rents for $1,079, which is 33% of take-home pay — above the 30% guideline that financial planners suggest. That leaves about $2,226 a month for everything else.

    Take-home pay in Lexington, KY

    Paycheck in Lexington, KY
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $39,662
    per year · effective tax rate 18.4%
    $3,305Monthly
    $1,653Twice a month
    $1,525Every 2 weeks
    $19.07Hourly
    • Federal income tax$3,654
    • Social Security (6.2%)$3,014
    • Medicare (1.45%)$705
    • Kentucky income tax$1,584
    • Take-home pay$39,662

    Marginal rate: 12% federal + 3.50% state

    Highest-paying jobs in Lexington, KY

    JobMedian salaryTake-homeReal value*
    General and Operations Manager$80,440$62,722$67,523
    Registered Nurse$79,040$61,786$66,516
    Elementary School Teachers, Except Special Education$61,460$49,530$53,321
    Miscellaneous Assembler and Fabricator$59,730$48,200$51,890
    First-Line Supervisor of Office and Administrative Support Workers$59,300$47,870$51,534
    Heavy and Tractor-Trailer Truck Driver$56,950$46,064$49,590
    Bookkeeping, Accounting, and Auditing Clerks$48,000$39,186$42,185
    Secretaries and Administrative Assistants, Except Legal, Medical, and Executive$47,790$39,024$42,012
    Maintenance and Repair Workers, General$44,910$36,811$39,629
    Medical Secretary and Administrative Assistant$44,450$36,457$39,248
    Laborers and Freight, Stock, and Material Movers, Hand$41,910$34,505$37,147
    Office Clerks, General$40,250$33,230$35,774
    Nursing Assistant$39,380$32,561$35,054
    Customer Service Representative$39,160$32,392$34,872
    Stocker and Order Filler$37,080$30,794$33,151
    First-Line Supervisor of Food Preparation and Serving Workers$36,350$30,233$32,547
    Janitors and Cleaners, Except Maids and Housekeeping Cleaners$35,460$29,549$31,811
    Security Guard$35,400$29,503$31,761
    Home Health and Personal Care Aide$35,190$29,341$31,587
    Waiter and Waitress$34,910$29,126$31,356

    *In U.S.-average dollars after adjusting for local prices.

    Pay and living costs in Kentucky cities

    Half of Kentucky’s 2,000,360 workers earn less than $46,920 a year and half earn more; the middle 50% earn $35,410–$66,760 (BLS, May 2025). Prices vary a lot within the state: Paducah, KY stretches a paycheck furthest, while Clarksville, TN is the costliest.

    Metro areaMedian payPrice level1-BR rentRent shareLeft after rent / moBuying power*
    Cincinnati, OH$50,17095.4$1,04331%$2,361$42,837
    Louisville, KY$48,37093.1$1,02631%$2,263$42,407
    Lexington, KY$48,62092.9$1,07933%$2,226$42,698
    Huntington, WV$44,60088.4$82927%$2,219$41,362
    Clarksville, TN$44,86090.9$1,08235%$1,982$40,433
    Bowling Green, KY$45,04090.2$93730%$2,139$40,931
    Elizabethtown, KY$46,81090.6$84627%$2,343$42,255
    Paducah, KY$45,86086.1$84327%$2,285$43,610
    Owensboro, KY$44,96088.6$84628%$2,225$41,586

    *Yearly take-home pay (on each metro’s median wage, single filer) in U.S.-average dollars. Price level: BEA RPP 2024 (U.S. = 100). Rent: HUD FY2026 one-bedroom fair market rent.

    Lexington, KY vs. similar-size cities

    Metro areaPrice level1-BR rentMedian wageJobs
    Lexington, KY92.9$1,079$48,620286,910
    Portland, ME101.9$1,548$56,960288,480
    Stockton, CA105.1$1,395$48,990289,660
    Toledo, OH91.5$820$48,220291,530
    New Haven, CT104.6$1,591$60,060281,410
    McAllen, TX85.9$847$35,830296,700
    Reno, NV101.0$1,444$49,660275,680

    Frequently asked questions

    Is Lexington, KY expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the Lexington-Fayette, KY metro area are 92.9% of the U.S. average, with housing at 77.1%. It is the #212 most expensive of 387 metro areas we track.

    What salary do you need to live in Lexington, KY?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $55,733 in Lexington, KY (before tax differences). The median wage across all jobs here is $48,620.

    Can you afford Lexington, KY on the median wage?

    A single worker on the $48,620 median wage takes home about $3,305 a month after 2026 taxes; a one-bedroom at $1,079 would take 33% of that.

    How much is rent in Lexington, KY?

    HUD’s FY2026 fair market rents for Lexington, KY are $883 for a studio, $1,079 for one bedroom, $1,272 for two bedrooms and $1,743 for three bedrooms, including utilities.

    Top salaries by field in Lexington, KY

    Management Occupations

    Educational Instruction and Library Occupations

    Healthcare Practitioners and Technical Occupations

    Healthcare Support Occupations

    Protective Service Occupations

    Food Preparation and Serving Related Occupations

    Building and Grounds Cleaning and Maintenance Occupations

    Personal Care and Service Occupations

    Sales and Related Occupations

    Office and Administrative Support Occupations

    Installation, Maintenance, and Repair Occupations

    Production Occupations

    Transportation and Material Moving Occupations

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