Lexington, KY vs Durham, NC: Cost of Living

Which city costs less?

Durham, NC has a modeled overall cost index 4.3% higher than Lexington, KY.

Lexington, KY · modeled 2BR rent: $1,390 / month
Durham, NC · modeled 2BR rent: $1,730 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Lexington, KY and Durham, NC using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Lexington, KY

Numbers update automatically as you type

Estimated extra cost: $415/month in Durham, NC

$150,000 in your current city has a modeled equivalent of $154,980 in Durham, NC

Regional cost estimates: Durham, NC uses Raleigh-Cary, NC Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 4.3%

More expensive

Monthly Impact

$415

Extra cost

Annual Impact

$5.0K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Lexington, KY

Population:323K

Cost Index:

93.0

100 = national average

Typical Home:$345K

Durham, NC

Population:325K

Cost Index:

97.0

100 = national average

Typical Home:$411K

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Lexington, KY

The Bluegrass State

323K

Population

State Tax

Yes

Located in Kentucky, this city has a population of 323K residents.

Durham, NC

The Tar Heel State

325K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 325K residents.

Cost Breakdown by Category

Estimated monthly spending: Lexington, KY vs Durham, NC

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Lexington, KY	Durham, NC	Difference	Change
Housing	$2,446/mo	$2,582/mo	↑ $136more	5.6%
All Utilities	$486/mo	$572/mo	↑ $85.73more	17.6%
Transportation	$1,272/mo	$1,343/mo	↑ $71.44more	5.6%
Other	$1,716/mo	$1,786/mo	↑ $70.04more	4.1%
Healthcare	$577/mo	$629/mo	↑ $51.85more	9.0%
Groceries	$1,003/mo	$1,003/mo	→ $0	0.0%

Housing

↑ 5.6%

Lexington, KY

$2,446

Durham, NC

$2,582

Difference

$136

All Utilities

↑ 17.6%

Lexington, KY

$486

Durham, NC

$572

Difference

$85.73

Transportation

↑ 5.6%

Lexington, KY

$1,272

Durham, NC

$1,343

Difference

$71.44

Other

↑ 4.1%

Lexington, KY

$1,716

Durham, NC

$1,786

Difference

$70.04

Healthcare

↑ 9.0%

Lexington, KY

$577

Durham, NC

$629

Difference

$51.85

Groceries

→ 0.0%

Lexington, KY

$1,003

Durham, NC

$1,003

Difference

same

🏛️ Local Income Taxes

Lexington, KY: Lexington Occupational Tax$3,750/yr (2.5%)

Durham, NC has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$960

To$1,430

↑ $470

1 Bed

From$1,180

To$1,520

↑ $340

2 Bed

From$1,390

To$1,730

↑ $340

3 Bed

From$1,900

To$2,140

↑ $240

Lexington, KYZIP-level data

1BR range: $940–$1,500/mo

Durham, NCZIP-level data

1BR range: $1,480–$1,750/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Lexington, KY

$7,915

Monthly in Durham, NC

$415

Difference

Home Values

Lexington

Durham

$345K

Median Value

$411K

↑ +5%

YoY Change

↓ -0.5%

↑ +43.5%

5-Year Change

↑ +38%

$214K - $711K

Price Range

$306K - $461K

Homes in Durham are 19% more expensive than Lexington

Calculate payment - Lexington Calculate payment - Durham

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $375

Per year

Monthly Difference

$31.25

More take-home

Effective Rate Diff

0.3%

Rate difference

Lexington, 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

Durham, NC

Federal Income Tax

Effective: 18.9%

$25.5K

North Carolina State Tax

Effective: 4.8%

$7.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.4%

$44.1K

Take-Home Pay

$8,822/month

$105.9K

Additional Tax Information

Lexington, KY Tax Rates

Sales Tax:6.0%

Property Tax:0.9%

Durham, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

💡 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Lexington, KY

27/100

1.1% sidewalk tags · 2.9% cycling tags

Durham, NC: No data yet

Environment

Lexington

Durham

41 Good

Air Quality

51 Moderate

79.2%

Good Air Days

46.4%

92 Moderate

Climate Risk

90 Moderate

🌪💨

Top Hazards

🌪💨

▲+3.0°F

2050 Outlook

▲+2.7°F

21 days

Heat Days >95°F

36 days

▲+3.0°F

2050 Outlook

▲+2.7°F

21 days

Heat Days >95°F

36 days

Before moving from Lexington, KY to Durham, NC

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Durham, NC for the same bedroom count and included utilities as your home in Lexington, KY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Lexington to Durham moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Durham, NC by cost, housing, population and region.

Frequently Asked Questions: Lexington, KY vs Durham, NC

How do the cost estimates for Lexington, KY and Durham, NC compare?

Durham, NC has a modeled overall cost index 4.3% higher than Lexington, KY. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Lexington, KY, the model estimates $154,980 in Durham, NC. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Lexington, KY and Durham, NC?

The modeled two-bedroom rents are $1,390/month in Lexington, KY and $1,730/month in Durham, NC. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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