Oak Grove, KY vs Covington, TN: Cost of Living

Which city costs less?

Covington, TN has a modeled overall cost index 12.8% lower than Oak Grove, KY.

Oak Grove, KY · modeled 2BR rent
$1,340 / month
Covington, TN · modeled 2BR rent
$1,060 / 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 Oak Grove, KY and Covington, TN 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

$
Numbers update automatically as you type

Estimated savings: $834/month in Covington, TN

$150,000 in your current city has a modeled equivalent of $139,993 in Covington, TN

Regional cost estimates: Oak Grove, KY uses Nashville, TN. Covington, TN uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 12.8%
Less expensive
Monthly Impact
$834
Savings
Annual Impact
$10.0K
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.

Oak Grove, KY

Population:8K
Cost Index:
89.9
100 = national average
Typical Home:$209K

Covington, TN

Population:9K
Cost Index:
78.4
100 = national average
Typical Home:$200K

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Oak Grove, KY

The Bluegrass State

8K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 8K residents.

Covington, TN

The Volunteer State

9K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 9K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Oak Grove, KY vs Covington, TN

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.

Housing
↓ 27.3%
Oak Grove, KY
$2,284
Covington, TN
$1,660
Difference
$624
less
Other
↓ 10.0%
Oak Grove, KY
$1,859
Covington, TN
$1,674
Difference
$186
less
Healthcare
↓ 11.4%
Oak Grove, KY
$622
Covington, TN
$551
Difference
$70.78
less
All Utilities
↑ 4.3%
Oak Grove, KY
$532
Covington, TN
$555
Difference
$23.03
more
Transportation
↑ 1.1%
Oak Grove, KY
$1,229
Covington, TN
$1,243
Difference
$13.19
more
Groceries
↑ 1.1%
Oak Grove, KY
$973
Covington, TN
$983
Difference
$10.73
more

🏠Rent Comparison

Studio
From$1,090
To$840
↓ $250
1 Bed
From$1,090
To$940
↓ $150
2 Bed
From$1,340
To$1,060
↓ $280
3 Bed
From$1,860
To$1,390
↓ $470
Oak Grove, KYZIP-level data

1BR range: $1,090–$1,090/mo

Covington, TNZIP-level data

1BR range: $940–$940/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 Oak Grove, KY
$6,666
Monthly in Covington, TN
$834
Difference

Home Values

Oak Grove
Covington
$209K
Median Value
$200K
↑ +1.6%
YoY Change
↑ +1.1%
↑ +63.4%
5-Year Change
↑ +38.1%

Homes in Covington are 4% less expensive than Oak Grove

Calculate payment - Oak GroveCalculate payment - Covington

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

Oak Grove, 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

Covington, TN

Federal Income Tax
Effective: 18.9%
$25.5K
Tennessee State Tax
No state income tax
$0
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

Oak Grove, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

Covington, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

💡 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

Oak Grove
Covington
50 Good
Air Quality
55 Moderate
51.6%
Good Air Days
34.4%
97 High
Climate Risk
99 High
🌊🫨🌪
Top Hazards
🌊🌡🫨
▲+2.8°F
2050 Outlook
▲+2.8°F
42 days
Heat Days >95°F
54 days
▲+2.8°F
2050 Outlook
▲+2.8°F
42 days
Heat Days >95°F
54 days

Before moving from Oak Grove, KY to Covington, TN

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

  1. Compare actual homes. Get current quotes in Covington, TN for the same bedroom count and included utilities as your home in Oak Grove, KY. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Oak Grove to Covington moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Oak Grove, KY vs Covington, TN

How do the cost estimates for Oak Grove, KY and Covington, TN compare?

Covington, TN has a modeled overall cost index 12.8% lower than Oak Grove, 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 Oak Grove, KY, the model estimates $139,993 in Covington, TN. 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 Oak Grove, KY and Covington, TN?

The modeled two-bedroom rents are $1,340/month in Oak Grove, KY and $1,060/month in Covington, TN. 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 Tennessee on TaxTakeHome.com

Where your money goes further

Cities cheaper than Oak Grove, KY on a $150.0K salary

1.St. Louis, MO
Save $147/mo
2.Indianapolis, IN
Save $117/mo

Similar cost to Covington, TN

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