Cost of Living in Elizabethtown, KY
Elizabethtown, KY — prices, rents and what jobs really pay here after taxes.
Salary comparison calculator
What would you need to earn in Elizabethtown, KY to keep the same lifestyle — after taxes — as in another city?
How expensive is Elizabethtown, KY?
With a price level of 90.6 (U.S. average = 100), Elizabethtown, KY is cheaper than average. In detail, housing costs are 33% 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 housing.
Prices in Elizabethtown, KY vs. the U.S. average
| Category | Index (U.S. = 100) | Difference |
|---|---|---|
| All items | 90.6 | −9.4% |
| Housing | 66.7 | −33.3% |
| Goods | 96.2 | −3.8% |
| Utilities | 74.6 | −25.4% |
| Other services | 96.9 | −3.1% |
Source: BEA Regional Price Parities, 2024.
Rent in Elizabethtown, KY
| Unit | Monthly rent | Income needed (30% rule) |
|---|---|---|
| Studio | $841 | $33,640/yr |
| 1 bedroom | $846 | $33,840/yr |
| 2 bedrooms | $1,056 | $42,240/yr |
| 3 bedrooms | $1,469 | $58,760/yr |
| 4 bedrooms | $1,771 | $70,840/yr |
HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.
Salary needed to live in Elizabethtown, 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. city | Equivalent in Elizabethtown, KY | Take-home here |
|---|---|---|
| $40,000 | $36,200 | $30,117 |
| $60,000 | $54,300 | $44,027 |
| $80,000 | $72,500 | $57,414 |
| $100,000 | $90,600 | $69,514 |
| $150,000 | $135,900 | $99,515 |
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 Elizabethtown, KY's median wage of $46,810 takes home about $3,189 a month. A typical one-bedroom rents for $846, which is 27% of take-home pay — within the 30% guideline that financial planners suggest. That leaves about $2,343 a month for everything else.
Take-home pay in Elizabethtown, KY
- Federal income tax$3,437
- Social Security (6.2%)$2,902
- Medicare (1.45%)$679
- Kentucky income tax$1,521
- Take-home pay$38,271
Marginal rate: 12% federal + 3.50% state
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 area | Median pay | Price level | 1-BR rent | Rent share | Left after rent / mo | Buying power* |
|---|---|---|---|---|---|---|
| Cincinnati, OH | $50,170 | 95.4 | $1,043 | 31% | $2,361 | $42,837 |
| Louisville, KY | $48,370 | 93.1 | $1,026 | 31% | $2,263 | $42,407 |
| Lexington, KY | $48,620 | 92.9 | $1,079 | 33% | $2,226 | $42,698 |
| Huntington, WV | $44,600 | 88.4 | $829 | 27% | $2,219 | $41,362 |
| Clarksville, TN | $44,860 | 90.9 | $1,082 | 35% | $1,982 | $40,433 |
| Bowling Green, KY | $45,040 | 90.2 | $937 | 30% | $2,139 | $40,931 |
| Elizabethtown, KY | $46,810 | 90.6 | $846 | 27% | $2,343 | $42,255 |
| Paducah, KY | $45,860 | 86.1 | $843 | 27% | $2,285 | $43,610 |
| Owensboro, KY | $44,960 | 88.6 | $846 | 28% | $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.
Elizabethtown, KY vs. similar-size cities
| Metro area | Price level | 1-BR rent | Median wage | Jobs |
|---|---|---|---|---|
| Elizabethtown, KY | 90.6 | $846 | $46,810 | 51,540 |
| Staunton, VA | 91.1 | $1,095 | $48,040 | 51,640 |
| Lawrence, KS | 90.2 | $1,006 | $47,390 | 51,750 |
| Wenatchee, WA | 103.9 | $1,143 | $49,290 | 51,220 |
| Yuba City, CA | 104.2 | $1,272 | $49,970 | 51,090 |
| Grand Forks, ND | 86.7 | $868 | $49,760 | 52,000 |
| Jacksonville, NC | 92.1 | $935 | $40,230 | 52,570 |
Frequently asked questions
Is Elizabethtown, KY expensive to live in?
According to the Bureau of Economic Analysis, overall prices in the Elizabethtown, KY metro area are 90.6% of the U.S. average, with housing at 66.7%. It is the #278 most expensive of 387 metro areas we track.
What salary do you need to live in Elizabethtown, KY?
To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $54,343 in Elizabethtown, KY (before tax differences). The median wage across all jobs here is $46,810.
Can you afford Elizabethtown, KY on the median wage?
A single worker on the $46,810 median wage takes home about $3,189 a month after 2026 taxes; a one-bedroom at $846 would take 27% of that.
How much is rent in Elizabethtown, KY?
HUD’s FY2026 fair market rents for Elizabethtown, KY are $841 for a studio, $846 for one bedroom, $1,056 for two bedrooms and $1,469 for three bedrooms, including utilities.