Radcliff, KY vs Russellville, AR: Cost of Living

Which city costs less?

Russellville, AR has a modeled overall cost index 9.6% lower than Radcliff, KY.

Radcliff, KY · modeled 2BR rent
$980 / month
Russellville, AR · modeled 2BR rent
$955 / 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 Radcliff, KY and Russellville, AR 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

$
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Estimated savings: $682/month in Russellville, AR

$150,000 in your current city has a modeled equivalent of $141,814 in Russellville, AR

Regional cost estimates: Radcliff, KY uses Louisville, KY. Russellville, AR uses Tulsa, OK. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 9.6%
Less expensive
Monthly Impact
$682
Savings
Annual Impact
$8.2K
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.

Radcliff, KY

Population:23K
Cost Index:
83.9
100 = national average
Typical Home:$205K

Russellville, AR

Population:29K
Cost Index:
75.9
100 = national average
Typical Home:$202K

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Radcliff, KY

The Bluegrass State

23K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 23K residents.

Russellville, AR

The Natural State

29K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 29K residents.

Cost Breakdown by Category

Estimated monthly spending: Radcliff, KY vs Russellville, AR

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
↓ 16.7%
Radcliff, KY
$2,091
Russellville, AR
$1,742
Difference
$349
less
Transportation
↓ 11.3%
Radcliff, KY
$1,430
Russellville, AR
$1,268
Difference
$162
less
Groceries
↓ 8.3%
Radcliff, KY
$1,083
Russellville, AR
$993
Difference
$90.03
less
Healthcare
↓ 9.7%
Radcliff, KY
$637
Russellville, AR
$575
Difference
$61.45
less
Other
↓ 1.5%
Radcliff, KY
$1,734
Russellville, AR
$1,708
Difference
$26.25
less
All Utilities
↑ 1.3%
Radcliff, KY
$525
Russellville, AR
$531
Difference
$6.71
more

🏠Rent Comparison

Studio
From$780
To$660
↓ $120
1 Bed
From$790
To$725
↓ $65.00
2 Bed
From$980
To$955
↓ $25.00
3 Bed
From$1,360
To$1,280
↓ $80.00
Radcliff, KYZIP-level data

1BR range: $790–$790/mo

Russellville, ARZIP-level data

1BR range: $690–$760/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 Radcliff, KY
$6,818
Monthly in Russellville, AR
$682
Difference

Home Values

Radcliff
Russellville
$205K
Median Value
$202K
↑ +1%
YoY Change
↑ +1.1%
↑ +42.2%
5-Year Change
↑ +27.4%
$205K
Price Range
$169K - $236K

Homes in Russellville are 1% less expensive than Radcliff

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $1.5K
More taxes
Monthly Difference
$127
Less take-home
Effective Rate Diff
1.0%
Rate difference

Radcliff, 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

Russellville, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

Additional Tax Information

Radcliff, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

Russellville, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

💡 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

Radcliff
Russellville
50 Good
Air Quality
51 Moderate
50.8%
Good Air Days
48.4%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.9°F
2050 Outlook
▲+3.0°F
37 days
Heat Days >95°F
61 days
▲+2.9°F
2050 Outlook
▲+3.0°F
37 days
Heat Days >95°F
61 days

Before moving from Radcliff, KY to Russellville, AR

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

  1. Compare actual homes. Get current quotes in Russellville, AR for the same bedroom count and included utilities as your home in Radcliff, 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 Radcliff to Russellville moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Radcliff, KY vs Russellville, AR

How do the cost estimates for Radcliff, KY and Russellville, AR compare?

Russellville, AR has a modeled overall cost index 9.6% lower than Radcliff, 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 Radcliff, KY, the model estimates $141,814 in Russellville, AR. 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 Radcliff, KY and Russellville, AR?

The modeled two-bedroom rents are $980/month in Radcliff, KY and $955/month in Russellville, AR. 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 Arkansas on TaxTakeHome.com

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