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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $728/month moving to Lexington-Fayette urban county, KY

$150.0K in your current city equals $141.3K in Lexington-Fayette urban county, KY

Rent data from HUD ZIP-level estimates · COL index from Virginia Beach-Norfolk-Newport News, VA-NC area
Overall Cost
9.7%
Less expensive
Monthly Impact
$728
Savings
Annual Impact
$8.7K
Per year

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

Virginia Beach, VA

Population:459K
Cost Index:
100
100 = national average
Median Home:$447K

Lexington-Fayette urban county, KY

Population:320K
Cost Index:
90
(10% below avg)
Median Home:$345K

Virginia Beach, VA

The Old Dominion State

459K
Population
State Tax
Yes

Located in Virginia, this city has a population of 459K residents.

Lexington-Fayette urban county, KY

The Bluegrass State

320K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 320K residents.

Cost Breakdown by Category

Annual spending: Virginia Beach, VA vs Lexington-Fayette urban county, KY

Housing
14.3%
Virginia Beach, VA
$2,729
Lexington-Fayette urban county, KY
$2,339
Difference
$390
less
Other
6.7%
Virginia Beach, VA
$1,758
Lexington-Fayette urban county, KY
$1,641
Difference
$117
less
All Utilities
19.0%
Virginia Beach, VA
$574
Lexington-Fayette urban county, KY
$464
Difference
$109
less
Healthcare
12.7%
Virginia Beach, VA
$632
Lexington-Fayette urban county, KY
$551
Difference
$80.54
less
Transportation
5.3%
Virginia Beach, VA
$1,284
Lexington-Fayette urban county, KY
$1,216
Difference
$68.30
less
Groceries
0.0%
Virginia Beach, VA
$959
Lexington-Fayette urban county, KY
$959
Difference
$0
same

🏠Rent Comparison

Studio
From$1,780
To$720
$1,060
1 Bed
From$1,800
To$820
$980
2 Bed
From$2,040
To$1,000
$1,040
3 Bed
From$2,830
To$1,350
$1,480
Virginia Beach, VAZIP-level data

1BR range: $1,690$2,120/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.

$7,935
Monthly in Virginia Beach, VA
$7,170
Monthly in Lexington-Fayette urban county, KY
$765
Difference

Home Values

Virginia Beach
Lexington-Fayette urban county
$447K
Median Value
-
↑ +2.7%
YoY Change
-
↑ +33.5%
5-Year Change
-
$318K - $640K
Price Range
-

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$868
Per year
Monthly Difference
$72.29
More take-home
Effective Rate Diff
0.6%
Rate difference

Virginia Beach, VA

Federal Income Tax
Effective: 18.9%
$25.5K
Virginia State Tax
Effective: 5.6%
$8.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.4K
Take-Home Pay
$8,718/month
$104.6K

Lexington-Fayette urban county, 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

Virginia Beach, VA Tax Rates

Sales Tax:5.7%
Property Tax:0.8%

Lexington-Fayette urban county, 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

Virginia Beach
Lexington-Fayette urban county
36 Good
Air Quality
41 Good
80.3%
Good Air Days
79.2%
58 Low
Climate Risk
92 Moderate
None
Top Hazards
🌪💨
+2.5°F
2050 Outlook
+3.0°F
17 days
Heat Days >95°F
21 days
+2.5°F
2050 Outlook
+3.0°F
17 days
Heat Days >95°F
21 days

What to Consider When Moving from Virginia Beach, VA to Lexington-Fayette urban county, KY

Relocating from Virginia Beach, VA to Lexington-Fayette urban county, KY involves more than just comparing rent prices. While the overall cost of living is about 10% lower in Lexington-Fayette urban county, KY, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Lexington-Fayette urban county, KY is 14% cheaper than in Virginia Beach, VA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Lexington-Fayette urban county, KY pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Lexington-Fayette urban county, KY to match your current standard of living in Virginia Beach, VA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Lexington-Fayette urban county, KY for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Virginia Beach, VA vs Lexington-Fayette urban county, KY

Is Lexington-Fayette urban county, KY cheaper than Virginia Beach, VA?

Yes, Lexington-Fayette urban county, KY is about 9.7% cheaper than Virginia Beach, VA. You could save approximately $728/month on a $150,000 salary. Housing costs are 14% lower in Lexington-Fayette urban county, KY.

What salary do I need in Lexington-Fayette urban county, KY to match my lifestyle in Virginia Beach, VA?

If you currently earn $150,000 in Virginia Beach, VA, you would need approximately $141,262 in Lexington-Fayette urban county, KY to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Virginia Beach, VA and Lexington-Fayette urban county, KY?

A two-bedroom apartment averages $2,040/month in Virginia Beach, VA compared to $1,000/month in Lexington-Fayette urban county, KY. One-bedroom apartments are $1,800/month in Virginia Beach, VA vs $820/month in Lexington-Fayette urban county, KY. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Virginia Beach, VA or Lexington-Fayette urban county, KY?

Grocery prices are very similar between Virginia Beach, VA and Lexington-Fayette urban county, KY, with less than 1% difference. Your food budget would stay about the same.

What is the best time to move from Virginia Beach, VA to Lexington-Fayette urban county, KY?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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