Mount Airy, NC vs Campbellsville, KY: Cost of Living

Which city costs less?

Campbellsville, KY has a modeled overall cost index 3.3% lower than Mount Airy, NC.

Mount Airy, NC · modeled 2BR rent: $930 / month
Campbellsville, KY · modeled 2BR rent: $970 / 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 Mount Airy, NC and Campbellsville, KY 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 Mount Airy, NC

Numbers update automatically as you type

Estimated savings: $247/month in Campbellsville, KY

$150,000 in your current city has a modeled equivalent of $147,032 in Campbellsville, KY

Regional cost estimates: Mount Airy, NC uses Winston-Salem, NC. Campbellsville, KY uses Louisville, KY. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 3.3%

Less expensive

Monthly Impact

$247

Savings

Annual Impact

$3.0K

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.

Mount Airy, NC

Population:11K

Cost Index:

83.1

100 = national average

Typical Home:$201K

Campbellsville, KY

Population:12K

Cost Index:

80.4

100 = national average

Typical Home:$201K

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Mount Airy, NC

The Tar Heel State

11K

Population

State Tax

Yes

Located in North Carolina, this city has a population of 11K residents.

Campbellsville, KY

The Bluegrass State

12K

Population

State Tax

Yes

Located in Kentucky, this city has a population of 12K residents.

Cost Breakdown by Category

Estimated monthly spending: Mount Airy, NC vs Campbellsville, KY

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	Mount Airy, NC	Campbellsville, KY	Difference	Change
Housing	$2,101/mo	$2,009/mo	↓ $92.07less	4.4%
All Utilities	$588/mo	$515/mo	↓ $73.61less	12.5%
Other	$1,724/mo	$1,666/mo	↓ $58.01less	3.4%
Transportation	$1,317/mo	$1,374/mo	↑ $56.78more	4.3%
Healthcare	$681/mo	$625/mo	↓ $56.30less	8.3%
Groceries	$1,088/mo	$1,063/mo	↓ $24.09less	2.2%

Housing

↓ 4.4%

Mount Airy, NC

$2,101

Campbellsville, KY

$2,009

Difference

$92.07

less

All Utilities

↓ 12.5%

Mount Airy, NC

$588

Campbellsville, KY

$515

Difference

$73.61

less

Other

↓ 3.4%

Mount Airy, NC

$1,724

Campbellsville, KY

$1,666

Difference

$58.01

less

Transportation

↑ 4.3%

Mount Airy, NC

$1,317

Campbellsville, KY

$1,374

Difference

$56.78

Healthcare

↓ 8.3%

Mount Airy, NC

$681

Campbellsville, KY

$625

Difference

$56.30

less

Groceries

↓ 2.2%

Mount Airy, NC

$1,088

Campbellsville, KY

$1,063

Difference

$24.09

less

🏠Rent Comparison

Studio

From$730

To$780

↑ $50.00

1 Bed

From$770

To$780

↑ $10.00

2 Bed

From$930

To$970

↑ $40.00

3 Bed

From$1,180

To$1,360

↑ $180

Mount Airy, NCZIP-level data

1BR range: $770–$770/mo

Campbellsville, KYZIP-level data

1BR range: $780–$780/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 Mount Airy, NC

$7,253

Monthly in Campbellsville, KY

$247

Difference

Home Values

Mount Airy

Campbellsville

$201K

Median Value

$201K

↓ -2.8%

YoY Change

↑ +2.4%

↑ +36.1%

5-Year Change

↑ +50.5%

Calculate payment - Mount Airy Calculate payment - Campbellsville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $375

More taxes

Monthly Difference

$31.25

Less take-home

Effective Rate Diff

0.3%

Rate difference

Mount Airy, 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

Campbellsville, 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

Additional Tax Information

Mount Airy, NC Tax Rates

Sales Tax:7.1%

Property Tax:0.8%

Campbellsville, KY Tax Rates

Sales Tax:6.0%

Property Tax:0.9%

💡 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

Mount Airy

Campbellsville

47 Good

Air Quality

50 Good

57.4%

Good Air Days

50.8%

92 Moderate

Climate Risk

98 High

🌊🌪💨

Top Hazards

🌊🌡🌪

▲+2.8°F

2050 Outlook

▲+2.9°F

30 days

Heat Days >95°F

37 days

▲+2.8°F

2050 Outlook

▲+2.9°F

30 days

Heat Days >95°F

37 days

Before moving from Mount Airy, NC to Campbellsville, KY

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

Compare actual homes. Get current quotes in Campbellsville, KY for the same bedroom count and included utilities as your home in Mount Airy, NC. 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 Mount Airy to Campbellsville moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Mount Airy, NC vs Campbellsville, KY

How do the cost estimates for Mount Airy, NC and Campbellsville, KY compare?

Campbellsville, KY has a modeled overall cost index 3.3% lower than Mount Airy, NC. 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 Mount Airy, NC, the model estimates $147,032 in Campbellsville, KY. 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 Mount Airy, NC and Campbellsville, KY?

The modeled two-bedroom rents are $930/month in Mount Airy, NC and $970/month in Campbellsville, KY. 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 North Carolina and Kentucky on TaxTakeHome.com

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