Is Austin, TX cheaper than Georgetown, KY?

Based on cost of living data, Austin, TX is 16.0% more expensive than Georgetown, KY. This translates to spending an extra $1204 per month.

What salary do I need in Austin, TX to live like I do in Georgetown, KY?

If you earn $150,000 in Georgetown, KY, you'd need approximately $164,442.312 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Georgetown, KY and Austin, TX?

Housing in Austin, TX is 43.6% more expensive than in Georgetown, KY. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,063/month in Georgetown, KY.

How much can I save per month by moving from Georgetown, KY to Austin, TX?

Living in Austin, TX costs approximately $1204 more per month than Georgetown, KY, or $14442 more per year, based on a $150,000 salary.

Georgetown, KY vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Georgetown, KY — ZIP-level rent data · COL adjusted from Lexington, KY area

Current salary in Georgetown, KY

Numbers update automatically as you type

You'd spend $1.2K/month more in Austin, TX

$150.0K in your current city equals $164.4K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 16.0%

More expensive

Monthly Impact

$1,204

Extra cost

Annual Impact

$14.4K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Georgetown, KY

Population:39K

Cost Index:100

Median Home:$327K

Austin, TX

Population:979K

Cost Index:116

Median Home:$558K

Georgetown, KY

The Bluegrass State

39K

Population

State Tax

Yes

Located in Kentucky, this city has a population of 39K residents.

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Georgetown, KY vs Austin, TX

Category	Georgetown, KY	Austin, TX	Difference	Change
🏠Housing	$2,009/mo	$2,885/mo	↑ $876more	43.6%
📦Other	$1,566/mo	$1,741/mo	↑ $175more	11.2%
🚗Transportation	$1,160/mo	$1,284/mo	↑ $124more	10.7%
⚡All Utilities	$454/mo	$541/mo	↑ $87.22more	19.2%
🏥Healthcare	$539/mo	$589/mo	↑ $49.90more	9.3%
🛒Groceries	$937/mo	$959/mo	↑ $22.14more	2.4%

🏠Housing

↑ 43.6%

Georgetown, KY

$2,009

Austin, TX

$2,885

Difference

$876

📦Other

↑ 11.2%

Georgetown, KY

$1,566

Austin, TX

$1,741

Difference

$175

🚗Transportation

↑ 10.7%

Georgetown, KY

$1,160

Austin, TX

$1,284

Difference

$124

⚡All Utilities

↑ 19.2%

Georgetown, KY

$454

Austin, TX

$541

Difference

$87.22

🏥Healthcare

↑ 9.3%

Georgetown, KY

$539

Austin, TX

$589

Difference

$49.90

🛒Groceries

↑ 2.4%

Georgetown, KY

$937

Austin, TX

$959

Difference

$22.14

🏠Rent Comparison

Studio

From$738

To$1,585

↑ $847

1 Bed

From$900

To$1,685

↑ $785

2 Bed

From$1,063

To$1,995

↑ $932

3 Bed

From$1,460

To$2,525

↑ $1,065

Georgetown, KYZIP-level data

1BR range: $1,110–$1,110/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,664

Monthly in Georgetown, KY

$7,998

Monthly in Austin, TX

$1,334

Difference

Home Values

Georgetown

Austin

$327K

Median Value

$558K

↑ +3.4%

YoY Change

↓ -5%

↑ +42.3%

5-Year Change

↑ +12.6%

$327K

Price Range

$272K - $1.26M

Homes in Austin are 70% more expensive than Georgetown

Calculate payment - Georgetown Calculate payment - Austin

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.5K

Per year

Monthly Difference

$625

More take-home

Effective Rate Diff

5.0%

Rate difference

Georgetown, KY

Federal Income Tax

Effective: 18.9%

$25.5K

Kentucky State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Georgetown, KY Tax Rates

Sales Tax:6.0%

Property Tax:0.9%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Georgetown

Austin

41 Good

Air Quality

52 Moderate

79.2%

Good Air Days

42.6%

92 Moderate

Climate Risk

98 High

🌪💨

Top Hazards

🌊🌡🌪

▲+3.0°F

2050 Outlook

▲+2.5°F

21 days

Heat Days >95°F

98 days

▲+3.0°F

2050 Outlook

▲+2.5°F

21 days

Heat Days >95°F

98 days

💰 See how taxes change too — compare take-home pay between Kentucky and Texas on TaxTakeHome.com

Where your money goes further

Cities cheaper than Georgetown, KY on a $150.0K salary

Similar cost to Austin, TX

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Want to compare different cities?

New Comparison

You'd spend $1.2K/month more in Austin, TX

Georgetown, KY

Austin, TX

Georgetown, KY

Austin, TX

Notable Facts

Major Industries

Cost Breakdown by Category

🏠Rent Comparison

📍 Rent by ZIP Code40 ZIPs

Home Values

🏠 Home Values by ZIP39 ZIPs

Tax Comparison

Georgetown, KY

Austin, TX

Additional Tax Information

Georgetown, KY Tax Rates

Austin, TX Tax Rates

Environment

Where your money goes further

Similar cost to Austin, TX