Moving from Nebraska to Kentucky
Your real buying power stays about the same (-0.1%). 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): $1,102/month in Nebraska 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: $75,100
To keep the same lifestyle, you need about $75,100 in Kentucky to match $75,000 in Nebraska ($100 more), 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 $75,000 | Nebraska | Kentucky |
|---|---|---|
| Federal income tax | $7,670 | $7,670 |
| Social Security + Medicare | $5,738 | $5,738 |
| State income tax | $2,533 | $2,507 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $59,060 | $59,085 |
Key facts: Nebraska to Kentucky
- Median rent
- $1,102 → $998/mo
- Median home value
- $263,100 → $226,000
- Price level (U.S. = 100)
- 90.1 → 90.2
- Road distance
- ≈ 790 miles
- Natural hazard risk (FEMA)
- High county-score mean (70.1 → 68.0 of 100)
What changes when you move to Kentucky
- State taxes are similar: the difference is under $250 a year at $75,000.
- Keeping a remote job with a Nebraska employer? Nebraska can still tax those wages under its convenience-of-the-employer rule if you work in Nebraska on more than seven days in the year, unless your employer requires you to work elsewhere. See taxes the year you move.
- BEA's housing rents price index is 14% lower in Kentucky. Median rent goes from $1,102 to $998 a month and the median home value from $263,100 to $226,000.
- Homeowners pay less property tax: the median bill is $1,611 in Kentucky vs $3,739 in Nebraska.
- The average home electric bill is $144 a month in Kentucky vs $117 in Nebraska (EIA 2025), about $318 a year more.
- Prices for everyday goods are 2% higher (BEA). The statewide sales tax rate is 6% in Kentucky vs 5.5% in Nebraska, before local sales taxes.
Who moves from Nebraska to Kentucky
In the latest IRS migration data (2022–2023), 156 households (308 people) filed their taxes in Kentucky after filing in Nebraska the year before. That makes Kentucky the #34 destination for people leaving Nebraska. These households reported an average adjusted gross income of $75,404. Going the other way, 120 households moved from Kentucky to Nebraska, a net gain of 36 households for Kentucky.
Five-year trend
Moves from Nebraska to Kentucky reached a five-year high in 2022–23, up 14% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Nebraska to Kentucky
Moving cost: $620–$8,650
Moving about 790 miles from Nebraska to Kentucky costs roughly $620 – $8,650, 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. | $620 – $2,380 |
| Moving container You pack and load; the company drives the container. | $1,440 – $3,340 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,350 – $8,650 |
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 79 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 Nebraska to Kentucky
Car shipping: $800–$1,200
Shipping a sedan from Nebraska to Kentucky on an open carrier costs about $800–$1,200, typically 3–7 days in transit over about 790 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.
Nebraska vs Kentucky take-home pay at every salary
| Salary | Equal salary in KY | Take-home change | Take-home in NE | Take-home in KY |
|---|---|---|---|---|
| $50,000 | $50,400 | -$237 | $40,960 | $40,723 |
| $75,000 | $75,100 | +$26 | $59,060 | $59,085 |
| $100,000 | $99,700 | +$288 | $75,510 | $75,798 |
| $150,000 | $148,900 | +$813 | $107,846 | $108,659 |
| $250,000 | $247,300 | +$1,863 | $172,687 | $174,550 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Nebraska vs Kentucky
| Measure | Nebraska | Kentucky |
|---|---|---|
| Overall price level (U.S. = 100) | 90.1 | 90.2 |
| Housing rents price index | 75.2 | 64.3 |
| Utilities price index | 75.6 | 75.3 |
| Goods price index | 94.1 | 96.0 |
| Median rent (monthly) | $1,102 | $998 |
| Median home value | $263,100 | $226,000 |
| Median property tax (yearly) | $3,739 | $1,611 |
| Electricity (residential) | 13.25¢/kWh | 14.26¢/kWh |
| State sales tax rate | 5.5% | 6% |
| Median household income | $76,376 | $64,526 |
Renting and buying: Nebraska vs Kentucky
| Measure | Nebraska | Kentucky |
|---|---|---|
| Income to rent the median home (30% rule) | $44,080 | $39,920 |
| Monthly cost to own the median home (20% down) | $1,925 | $1,483 |
| Income needed to buy the median home | $82,486 | $63,564 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,144 | $1,401 |
| Infant child care (center, yearly) | $15,080 | $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: Nebraska vs Kentucky
On a $75,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $40,712 a year in Nebraska and $37,914 in Kentucky if you rent: $2,798 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 $51,991 and $45,461 ($6,530 less).
Your yearly budget, before vs after
| Yearly cost | NE | KY | Change |
|---|---|---|---|
| Income and payroll taxes on $75,000, single filer | $15,940 | $15,915 | -$25 |
| Car insurance one car, state average | $981 | $1,046 | +$65 |
| Gas 12,000 miles at 25 mpg | $2,047 | $1,897 | -$150 |
| Health insurance one adult, age 40, own plan before subsidies | $8,520 | $7,080 | -$1,440 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $13,224 | $11,976 | -$1,248 |
| Total if you rent | $40,712 | $37,914 | -$2,798 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $17,213 | $14,786 | -$2,427 |
| Property tax median home | $3,739 | $1,611 | -$2,128 |
| Homeowners insurance state median, with a mortgage | $2,144 | $1,401 | -$743 |
| Electricity state average bill | $1,407 | $1,725 | +$318 |
| Total if you buy | $51,991 | $45,461 | -$6,530 |
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 $15,080 a year in Nebraska 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 Nebraska and Kentucky.
- How Kentucky taxes retirement income.
Frequently asked questions
How much salary do I need in Kentucky to live like I do in Nebraska?
A $75,000 salary in Nebraska works out to about $75,100 in Kentucky once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $99,700.
Will I pay less tax in Kentucky than in Nebraska?
Yes, about $26 less a year in income and payroll taxes on a $75,000 salary (21.3% of pay in Nebraska vs 21.2% in Kentucky). Property and sales taxes are shown separately.
How much does it cost to move from Nebraska to Kentucky?
For a 2–3 bedroom home over about 790 miles, expect roughly $620–$2,380 with a rental truck, $1,440–$3,340 with a moving container, or $2,350–$8,650 with full-service movers.
Are more people moving from Nebraska to Kentucky?
Moves from Nebraska to Kentucky reached a five-year high in 2022–23, up 14% from 2018–19.
How many people move from Nebraska to Kentucky?
IRS migration data for 2022–2023 show 156 households (308 people) moved from Nebraska to Kentucky, making Kentucky the #34 destination for people leaving Nebraska. 120 households moved the other way.
Is Kentucky cheaper than Nebraska?
Overall prices in Kentucky are 0.1% higher than Nebraska (BEA Regional Price Parities 2024). Median rent is $998 vs $1,102 a month.
Compare other moves
Where people from Nebraska actually move
- NE to Iowa 3,172 households
- NE to Texas 2,087 households
- NE to Colorado 1,802 households
- NE to Florida 1,411 households
- NE to Kansas 1,267 households
- NE to Missouri 1,107 households
- NE to California 1,047 households
- NE to Arizona 995 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.