Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Florence, KY

For one person, living is cheaper in Florence, KY: $2,275 a month against $2,607 in Austin, TX, rent and utilities included – about $4,000 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Austin, TX
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Austin, TX Living Index
109

Cost of Living Index in Florence, KY
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Florence, KY Living Index

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Austin, TX

🇺🇸 United States

$2,607

/mo nomad

Florence, KY

🇺🇸 United States

$2,275

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Florence, KY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in Florence, KY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,607 in Austin, TX versus $2,275 in Florence, KY.

Austin, TX $2,607
Florence, KY $2,275

Estimated couple costs with rent: $4,031 in Austin, TX versus $3,341 in Florence, KY.

Austin, TX $4,031
Florence, KY $3,341

Monthly costs for a family of three with rent: $5,454 in Austin, TX versus $4,407 in Florence, KY.

Austin, TX $5,454
Florence, KY $4,407

Living in Austin, TX is roughly 15% more expensive than in Florence, KY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Austin, TX 92% above, Florence, KY 67% above.

Meal at Budget Restaurant

$20.35 $20.35

$14.83 $14.83

37.22%

Three-Course Dinner for Two, Mid-Range

$84.7 $84.7

$72.4 $72.4

16.97%

Fast Food Meal (McDonalds, etc)

$12.12 $12.12

$9.63 $9.63

25.86%

Cappuccino

$5.65 $5.65

$5.01 $5.01

12.77%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.68 $3.68

$2.23 $2.23

65.02%

Water (0.33 liter bottle)

$2.36 $2.36

$1.70 $1.70

38.82%

Local Beer (0.5 liter draught)

$7.87 $7.87

$6.10 $6.10

29.02%

Imported Beer (0.33 liter bottle)

$8.82 $8.82

$7.09 $7.09

24.40%

Milk (1 liter)

$1.14 $1.14

$0.79 $0.79

44.30%

White Bread (500g)

$3.69 $3.69

$3.39 $3.39

8.85%

Rice (white) (1kg)

$3.31 $3.31

$4.01 $4.01

-17.46%

Eggs

$4.15 $4.15

$3.53 $3.53

17.56%

Local Cheese (1kg)

$12.98 $12.98

$12.87 $12.87

0.85%

Chicken Fillets (1kg)

$13.86 $13.86

$11.80 $11.80

17.46%

Beef Round Steak (1kg)

$16.34 $16.34

$16.17 $16.17

1.05%

Apples (1kg)

$4.69 $4.69

$5.53 $5.53

-15.19%

Banana (1kg)

$1.45 $1.45

$1.65 $1.65

-12.12%

Oranges (1kg)

$5.11 $5.11

$4.68 $4.68

9.19%

Tomato (1kg)

$4.52 $4.52

$4.58 $4.58

-1.31%

Potato (1kg)

$3.08 $3.08

$2.61 $2.61

18.01%

Onion (1kg)

$2.38 $2.38

$2.88 $2.88

-17.36%

Lettuce (1 head)

$1.80 $1.80

$2.12 $2.12

-15.09%

Water (1.5 liter bottle)

$2.22 $2.22

$1.86 $1.86

19.35%

Cigarettes 20 Pack (Marlboro, Camel)

$9.97 $9.97

$8.81 $8.81

13.17%

Wine (Bottle)

$15.05 $15.05

$15.76 $15.76

-4.51%

Local Beer (0.5 liter bottle)

$2.91 $2.91

$2.07 $2.07

40.58%

Imported Beer (0.33 liter bottle)

$3.33 $3.33

$2.99 $2.99

11.37%

One-way Ticket (Public Transport)

$1.22 $1.22

$2.03 $2.03

-39.90%

Public Transport Monthly Pass (Regular Price)

$40.53 $40.53

$65.9 $65.9

-38.53%

Taxi Start (Normal Tariff)

$2.78 $2.78

$2.80 $2.80

-0.71%

Taxi (Normal Tariff) (1km)

$1.65 $1.65

$1.27 $1.27

29.92%

Taxi 1hour Waiting (Normal Tariff)

$35.39 $35.39

$25.02 $25.02

41.45%

Gasoline (1 liter)

$0.95 $0.95

$0.99 $0.99

-4.04%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.2K $34.2K

$33.6K $33.6K

1.90%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.8K $26.8K

$25.8K $25.8K

3.86%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$223 $223

$179 $179

24.68%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$58.5 $58.5

$58.2 $58.2

0.53%

Internet (50+ Mbps, Unlimited Data)

$71.2 $71.2

$67.6 $67.6

5.36%

Gym Membership (Monthly)

$53.0 $53.0

$17.18 $17.18

208.73%

Tennis Court (1 Hour on Weekend)

$16.75 $16.75

Cinema Ticket

$14.06 $14.06

$15.10 $15.10

-6.89%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,459 $1,459

$1,238 $1,238

17.89%

International Primary School, 1 Child (Yearly)

$21.3K $21.3K

$16.1K $16.1K

32.70%

Jeans (Levis 501 Or Similar)

$52.5 $52.5

$50.8 $50.8

3.33%

Summer Dress (H&M, Zara, etc)

$42.75 $42.75

$45.09 $45.09

-5.19%

Sport Shoes (Adidas, Nike)

$86.4 $86.4

$89.7 $89.7

-3.59%

Men's Leather Business Shoes

$104 $104

$110 $110

-5.40%

1-bedroom Apartment, City Center (Monthly)

$2,112 $2,112

$1,306 $1,306

61.64%

1-bedroom Apartment, Outside City Center (Monthly)

$1,230 $1,230

$1,050 $1,050

17.23%

3-bedroom Apartment, City Center (Monthly)

$3,863 $3,863

$2,024 $2,024

90.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,407 $2,407

$1,694 $1,694

42.06%

Buy Apartment in City Center (m2)

$7,426 $7,426

$1,889 $1,889

293.08%

Buy Apartment Outside City Center (m2)

$3,060 $3,060

$1,242 $1,242

146.33%

Average Monthly Net Salary (After Tax)

$5,179 $5,179

$3,517 $3,517

47.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

6.59

3.49%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 26, 2026

Last update for Florence, KY: October 27, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.2K 47.2%

Florence, KY

$1K 46.1% 14.7% $181

Groceries & Markets

Austin, TX

$410 15.7%

Florence, KY

$389 17.1% 5% $20

Monthly Utilities & Internet

Austin, TX

$353 13.5%

Florence, KY

$305 13.4% 13.6% $48

Eating Out

Austin, TX

$348 13.4%

Florence, KY

$268 11.8% 23% $80

Clothing & Footwear

Austin, TX

$128 4.9%

Florence, KY

$133 5.8% 3.4% $4.4

Sport & Entertainment

Austin, TX

$81 3.1%

Florence, KY

$47 2.1% 41.6% $34

Getting Around

Austin, TX

$56 2.2%

Florence, KY

$83 3.7% 47.4% $27

Cost Breakdown

A one-bedroom apartment in the center runs $2,112 in Austin, TX and $1,306 in Florence, KY. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 47% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $85 in Austin, TX vs $72 in Florence, KY for a mid-range dinner for two. Groceries echo the gap at $410 vs $389 per month, with Florence, KY cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇸 Florence, KY

🕒 Local time

16:14 4:14 PM

17:14 5:14 PM

1 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

40,184

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Austin, TX Florence, KY 1,540 km ≈ 2 h 30 min nonstop flight

From you

Austin, TX
Florence, KY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Florence, KY: Cost of Living - Frequently Asked Questions

Florence, KY wins on cost – living expenses run 13% lower than in Austin, TX. Housing and daily spending are where you’ll feel the difference most, making Florence, KY the obvious pick if budget is a priority.

Average pay runs 47% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,112 in Austin, TX versus $1,306 in Florence, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,607 per month in Austin, TX versus $2,275 in Florence, KY – Florence, KY is about 13% cheaper, which adds up to real savings over time.

A monthly transit pass in Austin, TX runs roughly 39% less than in Florence, KY. The price difference matters if you commute daily and watch your budget.

For families, Florence, KY is more practical. Housing and childcare are both notably cheaper than in Austin, TX, and the savings on those two alone free up budget for education, activities, and family trips.

It comes down to priorities – Florence, KY wins on affordability, Austin, TX on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.