Moving from Massachusetts to Kentucky
Moving to Kentucky on the same salary raises your real buying power by 20.3%. Change the salary below to see your own numbers.
Equal salary in KY: $85,100
To keep the same lifestyle, you need about $85,100 in Kentucky to match $105,000 in Massachusetts ($19,900 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $105,000 | Massachusetts | Kentucky |
|---|---|---|
| Federal income tax | $14,270 | $14,270 |
| Social Security + Medicare | $8,033 | $8,033 |
| State income tax | $5,030 | $3,557 |
| State payroll programs (UI, disability, paid leave, transit) | $483 | $0 |
| Take-home pay | $77,185 | $79,140 |
Key facts: Massachusetts to Kentucky
- Median rent
- $1,848 → $998/mo
- Median home value
- $607,400 → $226,000
- Price level (U.S. = 100)
- 105.8 → 90.2
- Road distance
- ≈ 930 miles
- Natural hazard risk (FEMA)
- Among the highest → Above average
What changes when you move to Kentucky
- Your state taxes fall by about $1,956 a year on the same $105,000 salary.
- BEA's housing price index is 50% lower in Kentucky. Median rent goes from $1,848 to $998 a month and the median home value from $607,400 to $226,000.
- Homeowners pay less property tax: the median bill is $1,611 in Kentucky vs $6,080 in Massachusetts.
- The average home electric bill is $134 a month in Kentucky vs $167 in Massachusetts (EIA 2024), about $401 a year less.
- Prices for everyday goods are 3% lower (BEA). The statewide sales tax rate is 6% in Kentucky vs 6.25% in Massachusetts, before local sales taxes.
Who moves from Massachusetts to Kentucky
In the latest IRS migration data (2022–2023), 318 households (510 people) filed their taxes in Kentucky after filing in Massachusetts the year before. That makes Kentucky the #33 destination for people leaving Massachusetts. These households reported an average adjusted gross income of $69,887. Going the other way, 335 households moved from Kentucky to Massachusetts, a net loss of 17 households for Kentucky.
Five-year trend
Moves from Massachusetts to Kentucky peaked in 2021–22 at 323 households, then held roughly steady by 2022–23. That is still up 17% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Massachusetts to Kentucky
Moving cost: $700–$9,550
Moving about 930 miles from Massachusetts to Kentucky costs roughly $700 – $9,550, 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. | $700 – $2,800 |
| Moving container You pack and load; the company drives the container. | $1,520 – $3,650 |
| Full-service movers Packing, loading, transport and unloading. | $2,470 – $9,550 |
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 93 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 Massachusetts to Kentucky
Car shipping: $850–$1,270
Shipping a sedan from Massachusetts to Kentucky on an open carrier costs about $850–$1,270, typically 3–7 days in transit over about 930 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 Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Massachusetts vs Kentucky take-home pay at every salary
| Salary | Equal salary in KY | Take-home change | Take-home in MA | Take-home in KY |
|---|---|---|---|---|
| $50,000 | $41,200 | +$878 | $39,845 | $40,723 |
| $75,000 | $61,000 | +$1,368 | $57,718 | $59,085 |
| $100,000 | $80,900 | +$1,858 | $73,940 | $75,798 |
| $150,000 | $121,600 | +$2,838 | $105,821 | $108,659 |
| $250,000 | $204,200 | +$4,496 | $170,053 | $174,550 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Massachusetts vs Kentucky
| Measure | Massachusetts | Kentucky |
|---|---|---|
| Overall price level (U.S. = 100) | 105.8 | 90.2 |
| Housing price index | 128.1 | 64.3 |
| Utilities price index | 152.1 | 75.3 |
| Goods price index | 98.8 | 96.0 |
| Median rent (monthly) | $1,848 | $998 |
| Median home value | $607,400 | $226,000 |
| Median property tax (yearly) | $6,080 | $1,611 |
| Electricity (residential) | 29.61¢/kWh | 14.26¢/kWh |
| State sales tax rate | 6.25% | 6% |
| Median household income | $104,828 | $64,526 |
Renting and buying: Massachusetts vs Kentucky
| Measure | Massachusetts | Kentucky |
|---|---|---|
| Income to rent the median home (30% rule) | $73,920 | $39,920 |
| Monthly cost to own the median home (20% down) | $3,861 | $1,448 |
| Income needed to buy the median home | $165,477 | $62,049 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,655 | $1,401 |
| Infant child care (center, yearly) | $26,343 | $12,740 |
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: Massachusetts vs Kentucky
On a $105,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $61,364 a year in Massachusetts and $49,568 in Kentucky if you rent: $11,796 less after the move. If you buy the median home, they come to $85,521 and $54,966 ($30,555 less).
Your yearly budget, before vs after
| Yearly cost | MA | KY | Change |
|---|---|---|---|
| Income and payroll taxes on $105,000, single filer | $27,816 | $25,860 | -$1,956 |
| Electricity state average bill | $2,006 | $1,606 | -$400 |
| Car insurance one car, state average | $1,326 | $1,046 | -$280 |
| Gas 12,000 miles at 25 mpg | $2,112 | $2,000 | -$112 |
| Health insurance one adult, age 40, own plan before subsidies | $5,928 | $7,080 | +$1,152 |
| If you rent | |||
| Rent median, 12 months | $22,176 | $11,976 | -$10,200 |
| Total if you rent | $61,364 | $49,568 | -$11,796 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $38,598 | $14,362 | -$24,236 |
| Property tax median home | $6,080 | $1,611 | -$4,469 |
| Homeowners insurance state median, with a mortgage | $1,655 | $1,401 | -$254 |
| Total if you buy | $85,521 | $54,966 | -$30,555 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, 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 September 23, 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 $26,343 a year in Massachusetts and $12,740 in Kentucky (Child Care Aware of America, 2024 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 Massachusetts and Kentucky.
- How Kentucky taxes retirement income.
Frequently asked questions
How much salary do I need in Kentucky to live like I do in Massachusetts?
A $105,000 salary in Massachusetts works out to about $85,100 in Kentucky once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $80,900.
Will I pay less tax in Kentucky than in Massachusetts?
Yes, about $1,956 less a year in income and payroll taxes on a $105,000 salary (26.5% of pay in Massachusetts vs 24.6% in Kentucky). Property and sales taxes are shown separately.
How much does it cost to move from Massachusetts to Kentucky?
For a 2–3 bedroom home over about 930 miles, expect roughly $700–$2,800 with a rental truck, $1,520–$3,650 with a moving container, or $2,470–$9,550 with full-service movers.
Are more people moving from Massachusetts to Kentucky?
Moves from Massachusetts to Kentucky peaked in 2021–22 at 323 households, then held roughly steady by 2022–23. That is still up 17% from 2018–19.
How many people move from Massachusetts to Kentucky?
IRS migration data for 2022–2023 show 318 households (510 people) moved from Massachusetts to Kentucky, making Kentucky the #33 destination for people leaving Massachusetts. 335 households moved the other way.
Is Kentucky cheaper than Massachusetts?
Overall prices in Kentucky are 14.7% lower than Massachusetts (BEA Regional Price Parities 2024). Median rent is $998 vs $1,848 a month.
Compare other moves
Where people from Massachusetts actually move
- MA to Florida 12,159 households
- MA to New York 11,027 households
- MA to New Hampshire 10,603 households
- MA to California 7,767 households
- MA to Rhode Island 6,510 households
- MA to Connecticut 6,006 households
- MA to Texas 4,218 households
- MA to North Carolina 3,483 households