Moving from Vermont to Kentucky
Moving to Kentucky on the same salary raises your real buying power by 9.1%. Change the salary below to see your own numbers.
Equal salary in KY: $76,800
To keep the same lifestyle, you need about $76,800 in Kentucky to match $85,000 in Vermont ($8,200 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 $85,000 | Vermont | Kentucky |
|---|---|---|
| Federal income tax | $9,870 | $9,870 |
| Social Security + Medicare | $6,503 | $6,503 |
| State income tax | $3,150 | $2,857 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $65,478 | $65,770 |
Key facts: Vermont to Kentucky
- Median rent
- $1,319 → $998/mo
- Median home value
- $352,800 → $226,000
- Price level (U.S. = 100)
- 98.0 → 90.2
- Road distance
- ≈ 910 miles
- Natural hazard risk (FEMA)
- About average → Above average
What changes when you move to Kentucky
- Your state taxes fall by about $292 a year on the same $85,000 salary.
- BEA's housing price index is 26% lower in Kentucky. Median rent goes from $1,319 to $998 a month and the median home value from $352,800 to $226,000.
- Homeowners pay less property tax: the median bill is $1,611 in Kentucky vs $5,026 in Vermont.
Who moves from Vermont to Kentucky
In the latest IRS migration data (2022–2023), 50 households (80 people) filed their taxes in Kentucky after filing in Vermont the year before. That makes Kentucky the #32 destination for people leaving Vermont. These households reported an average adjusted gross income of $51,380. Going the other way, 48 households moved from Kentucky to Vermont, a net gain of 2 households for Kentucky.
Five-year trend
Moves from Vermont to Kentucky peaked in 2019–20 at 62 households, then fell 19% by 2022–23. That is still down 17% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Vermont to Kentucky
Moving cost: $690–$9,430
Moving about 910 miles from Vermont to Kentucky costs roughly $690 – $9,430, 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. | $690 – $2,740 |
| Moving container You pack and load; the company drives the container. | $1,510 – $3,600 |
| Full-service movers Packing, loading, transport and unloading. | $2,460 – $9,430 |
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 91 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 Vermont to Kentucky
Car shipping: $850–$1,260
Shipping a sedan from Vermont to Kentucky on an open carrier costs about $850–$1,260, typically 3–7 days in transit over about 910 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.
Vermont vs Kentucky take-home pay at every salary
| Salary | Equal salary in KY | Take-home change | Take-home in VT | Take-home in KY |
|---|---|---|---|---|
| $50,000 | $46,300 | -$391 | $41,114 | $40,723 |
| $75,000 | $68,000 | -$18 | $59,103 | $59,085 |
| $100,000 | $89,900 | +$757 | $75,040 | $75,798 |
| $150,000 | $133,100 | +$2,481 | $106,178 | $108,659 |
| $250,000 | $217,900 | +$6,581 | $167,969 | $174,550 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Vermont vs Kentucky
| Measure | Vermont | Kentucky |
|---|---|---|
| Overall price level (U.S. = 100) | 98.0 | 90.2 |
| Housing price index | 86.5 | 64.3 |
| Utilities price index | 125.8 | 75.3 |
| Goods price index | 97.3 | 96.0 |
| Median rent (monthly) | $1,319 | $998 |
| Median home value | $352,800 | $226,000 |
| Median property tax (yearly) | $5,026 | $1,611 |
| Electricity (residential) | 24.44¢/kWh | 14.26¢/kWh |
| State sales tax rate | 6% | 6% |
| Median household income | $82,730 | $64,526 |
Renting and buying: Vermont vs Kentucky
| Measure | Vermont | Kentucky |
|---|---|---|
| Income to rent the median home (30% rule) | $52,760 | $39,920 |
| Monthly cost to own the median home (20% down) | $2,378 | $1,448 |
| Income needed to buy the median home | $101,916 | $62,049 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,091 | $1,401 |
| Infant child care (center, yearly) | $18,710 | $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: Vermont vs Kentucky
On an $85,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $55,477 a year in Vermont and $42,938 in Kentucky if you rent: $12,539 less after the move. If you buy the median home, they come to $68,185 and $48,336 ($19,849 less).
Your yearly budget, before vs after
| Yearly cost | VT | KY | Change |
|---|---|---|---|
| Income and payroll taxes on $85,000, single filer | $19,522 | $19,230 | -$292 |
| Electricity state average bill | $1,508 | $1,606 | +$98 |
| Car insurance one car, state average | $893 | $1,046 | +$153 |
| Gas 12,000 miles at 25 mpg | $2,138 | $2,000 | -$138 |
| Health insurance one adult, age 40, own plan before subsidies | $15,588 | $7,080 | -$8,508 |
| If you rent | |||
| Rent median, 12 months | $15,828 | $11,976 | -$3,852 |
| Total if you rent | $55,477 | $42,938 | -$12,539 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $22,419 | $14,362 | -$8,057 |
| Property tax median home | $5,026 | $1,611 | -$3,415 |
| Homeowners insurance state median, with a mortgage | $1,091 | $1,401 | +$310 |
| Total if you buy | $68,185 | $48,336 | -$19,849 |
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 $18,710 a year in Vermont 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 Vermont and Kentucky.
- How Kentucky taxes retirement income.
Frequently asked questions
How much salary do I need in Kentucky to live like I do in Vermont?
An $85,000 salary in Vermont works out to about $76,800 in Kentucky once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $89,900.
Will I pay less tax in Kentucky than in Vermont?
Yes, about $292 less a year in income and payroll taxes on an $85,000 salary (23.0% of pay in Vermont vs 22.6% in Kentucky). Property and sales taxes are shown separately.
How much does it cost to move from Vermont to Kentucky?
For a 2–3 bedroom home over about 910 miles, expect roughly $690–$2,740 with a rental truck, $1,510–$3,600 with a moving container, or $2,460–$9,430 with full-service movers.
Are more people moving from Vermont to Kentucky?
Moves from Vermont to Kentucky peaked in 2019–20 at 62 households, then fell 19% by 2022–23. That is still down 17% from 2018–19.
How many people move from Vermont to Kentucky?
IRS migration data for 2022–2023 show 50 households (80 people) moved from Vermont to Kentucky, making Kentucky the #32 destination for people leaving Vermont. 48 households moved the other way.
Is Kentucky cheaper than Vermont?
Overall prices in Kentucky are 8.0% lower than Vermont (BEA Regional Price Parities 2024). Median rent is $998 vs $1,319 a month.
Compare other moves
Where people from Vermont actually move
- VT to New York 1,546 households
- VT to New Hampshire 1,353 households
- VT to Massachusetts 1,339 households
- VT to Florida 1,043 households
- VT to North Carolina 537 households
- VT to Maine 503 households
- VT to California 440 households
- VT to Connecticut 428 households