Moving from Colorado to Kentucky
Moving to Kentucky on the same salary raises your real buying power by 15.4%. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,822/month in Colorado and $998/month in Kentucky. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in KY: $80,500
To keep the same lifestyle, you need about $80,500 in Kentucky to match $95,000 in Colorado ($14,500 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $95,000 | Colorado | Kentucky |
|---|---|---|
| Federal income tax | $12,070 | $12,070 |
| Social Security + Medicare | $7,268 | $7,268 |
| State income tax | $3,472 | $3,207 |
| State payroll programs (UI, disability, paid leave, transit) | $418 | $0 |
| Take-home pay | $71,773 | $72,455 |
Key facts: Colorado to Kentucky
- Median rent
- $1,822 → $998/mo
- Median home value
- $574,600 → $226,000
- Price level (U.S. = 100)
- 103.1 → 90.2
- Road distance
- ≈ 1,260 miles
- Natural hazard risk (FEMA)
- Very high county-score mean → High county-score mean
What changes when you move to Kentucky
- Your state taxes fall by about $682 a year on the same $95,000 salary.
- BEA's housing rents price index is 50% lower in Kentucky. Median rent goes from $1,822 to $998 a month and the median home value from $574,600 to $226,000.
- Homeowners pay less property tax: the median bill is $1,611 in Kentucky vs $2,828 in Colorado.
- The average home electric bill is $144 a month in Kentucky vs $103 in Colorado (EIA 2025), about $485 a year more.
- Prices for everyday goods are 3% lower (BEA). The statewide sales tax rate is 6% in Kentucky vs 2.9% in Colorado, before local sales taxes.
Who moves from Colorado to Kentucky
In the latest IRS migration data (2022–2023), 907 households (1,687 people) filed their taxes in Kentucky after filing in Colorado the year before. That makes Kentucky the #39 destination for people leaving Colorado. These households reported an average adjusted gross income of $62,688. Going the other way, 768 households moved from Kentucky to Colorado, a net gain of 139 households for Kentucky.
Five-year trend
Moves from Colorado to Kentucky peaked in 2021–22 at 956 households, then fell 5% by 2022–23. That is still up 26% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Colorado to Kentucky
Moving cost: $880–$11,680
Moving about 1,260 miles from Colorado to Kentucky costs roughly $880 – $11,680, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $880 – $3,790 |
| Moving container You pack and load; the company drives the container. | $1,710 – $4,380 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,770 – $11,680 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 126 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Colorado to Kentucky
Car shipping: $980–$1,440
Shipping a sedan from Colorado to Kentucky on an open carrier costs about $980–$1,440, typically 3–7 days in transit over about 1,260 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Colorado vs Kentucky take-home pay at every salary
| Salary | Equal salary in KY | Take-home change | Take-home in CO | Take-home in KY |
|---|---|---|---|---|
| $50,000 | $43,300 | +$79 | $40,643 | $40,723 |
| $75,000 | $63,800 | +$414 | $58,671 | $59,085 |
| $100,000 | $84,800 | +$749 | $75,048 | $75,798 |
| $150,000 | $127,100 | +$1,419 | $107,239 | $108,659 |
| $250,000 | $212,100 | +$2,471 | $172,079 | $174,550 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Colorado vs Kentucky
| Measure | Colorado | Kentucky |
|---|---|---|
| Overall price level (U.S. = 100) | 103.1 | 90.2 |
| Housing rents price index | 127.4 | 64.3 |
| Utilities price index | 85.0 | 75.3 |
| Goods price index | 98.7 | 96.0 |
| Median rent (monthly) | $1,822 | $998 |
| Median home value | $574,600 | $226,000 |
| Median property tax (yearly) | $2,828 | $1,611 |
| Electricity (residential) | 17.13¢/kWh | 14.26¢/kWh |
| State sales tax rate | 2.9% | 6% |
| Median household income | $97,113 | $64,526 |
Renting and buying: Colorado vs Kentucky
| Measure | Colorado | Kentucky |
|---|---|---|
| Income to rent the median home (30% rule) | $72,880 | $39,920 |
| Monthly cost to own the median home (20% down) | $3,556 | $1,483 |
| Income needed to buy the median home | $152,405 | $63,564 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,253 | $1,401 |
| Infant child care (center, yearly) | $20,978 | $13,075 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Kentucky for other down payments.
Your yearly budget: Colorado vs Kentucky
On a $95,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $55,317 a year in Colorado and $44,544 in Kentucky if you rent: $10,773 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $77,367 and $52,091 ($25,276 less).
Your yearly budget, before vs after
| Yearly cost | CO | KY | Change |
|---|---|---|---|
| Income and payroll taxes on $95,000, single filer | $23,227 | $22,545 | -$682 |
| Car insurance one car, state average | $1,453 | $1,046 | -$407 |
| Gas 12,000 miles at 25 mpg | $2,089 | $1,897 | -$192 |
| Health insurance one adult, age 40, own plan before subsidies | $6,684 | $7,080 | +$396 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $21,864 | $11,976 | -$9,888 |
| Total if you rent | $55,317 | $44,544 | -$10,773 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $37,593 | $14,786 | -$22,807 |
| Property tax median home | $2,828 | $1,611 | -$1,217 |
| Homeowners insurance state median, with a mortgage | $2,253 | $1,401 | -$852 |
| Electricity state average bill | $1,240 | $1,725 | +$485 |
| Total if you buy | $77,367 | $52,091 | -$25,276 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $20,978 a year in Colorado and $13,075 in Kentucky (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Kentucky cities: Louisville, Lexington.
After you arrive in Kentucky
- Kentucky new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Colorado and Kentucky.
- How Kentucky taxes retirement income.
Frequently asked questions
How much salary do I need in Kentucky to live like I do in Colorado?
A $95,000 salary in Colorado works out to about $80,500 in Kentucky once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $84,800.
Will I pay less tax in Kentucky than in Colorado?
Yes, about $682 less a year in income and payroll taxes on a $95,000 salary (24.4% of pay in Colorado vs 23.7% in Kentucky). Property and sales taxes are shown separately.
How much does it cost to move from Colorado to Kentucky?
For a 2–3 bedroom home over about 1,260 miles, expect roughly $880–$3,790 with a rental truck, $1,710–$4,380 with a moving container, or $2,770–$11,680 with full-service movers.
Are more people moving from Colorado to Kentucky?
Moves from Colorado to Kentucky peaked in 2021–22 at 956 households, then fell 5% by 2022–23. That is still up 26% from 2018–19.
How many people move from Colorado to Kentucky?
IRS migration data for 2022–2023 show 907 households (1,687 people) moved from Colorado to Kentucky, making Kentucky the #39 destination for people leaving Colorado. 768 households moved the other way.
Is Kentucky cheaper than Colorado?
Overall prices in Kentucky are 12.5% lower than Colorado (BEA Regional Price Parities 2024). Median rent is $998 vs $1,822 a month.
Compare other moves
Where people from Colorado actually move
- CO to Texas 12,275 households
- CO to California 9,699 households
- CO to Florida 9,070 households
- CO to Arizona 6,012 households
- CO to Washington 3,935 households
- CO to North Carolina 3,423 households
- CO to New York 3,210 households
- CO to Illinois 3,198 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.