Last update: Oct 2026

Cost of Living Comparison Between Owensboro, KY and Lima

For one person, living is cheaper in Lima: $1,042 a month against $1,974 in Owensboro, KY, rent and utilities included – about $11,200 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Owensboro, KY
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Owensboro, KY Living Index
50

Cost of Living Index in Lima
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Lima Living Index

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Owensboro, KY

🇺🇸 United States

$1,974

/mo nomad

Lima

🇵🇪 Peru

$1,042

/mo nomad

Monthly Cost of Living

How much you'll spend in Owensboro, KY and in Lima

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

Monthly costs for one person with rent: $1,974 in Owensboro, KY versus $1,042 in Lima.

Owensboro, KY $1,974
Lima $1,042

Estimated couple costs with rent: $2,904 in Owensboro, KY versus $1,651 in Lima.

Owensboro, KY $2,904
Lima $1,651

Monthly costs for a family of three with rent: $3,833 in Owensboro, KY versus $2,259 in Lima.

Owensboro, KY $3,833
Lima $2,259

Living in Owensboro, KY is roughly 89% more expensive than in Lima, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Owensboro, KY is 46% above, Lima is 23% below.

Meal at Budget Restaurant

$19.40 $19.40

$4.64 PEN 15.95

318.10%

Three-Course Dinner for Two, Mid-Range

$59.4 $59.4

$34.34 PEN 118

72.83%

Fast Food Meal (McDonalds, etc)

$10.07 $10.07

$7.01 PEN 24.12

43.65%

Cappuccino

$5.49 $5.49

$3.22 PEN 11.09

70.50%

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

$1.94 $1.94

$1.13 PEN 3.90

71.68%

Water (0.33 liter bottle)

$1.34 $1.34

$0.61 PEN 2.09

119.67%

Local Beer (0.5 liter draught)

$4.02 $4.02

$2.93 PEN 10.07

37.20%

Imported Beer (0.33 liter bottle)

$4.88 $4.88

$4.25 PEN 14.63

14.82%

Milk (1 liter)

$0.77 $0.77

$1.58 PEN 5.44

-51.27%

White Bread (500g)

$3.28 $3.28

$2.61 PEN 8.98

25.67%

Rice (white) (1kg)

$4.47 $4.47

$1.30 PEN 4.46

243.85%

Eggs

$3.05 $3.05

$2.92 PEN 10.04

4.45%

Local Cheese (1kg)

$6.65 $6.65

$9.54 PEN 32.82

-30.29%

Chicken Fillets (1kg)

$11.11 $11.11

$5.71 PEN 19.66

94.57%

Beef Round Steak (1kg)

$12.09 $12.09

$9.47 PEN 32.57

27.67%

Apples (1kg)

$4.43 $4.43

$2.01 PEN 6.91

120.40%

Banana (1kg)

$1.23 $1.23

$1.02 PEN 3.52

20.59%

Oranges (1kg)

$2.56 $2.56

$1.45 PEN 4.99

76.55%

Tomato (1kg)

$3.51 $3.51

$1.49 PEN 5.14

135.57%

Potato (1kg)

$2.14 $2.14

$0.91 PEN 3.14

135.16%

Onion (1kg)

$2.16 $2.16

$0.89 PEN 3.07

142.70%

Lettuce (1 head)

$2.02 $2.02

$0.86 PEN 2.97

134.88%

Water (1.5 liter bottle)

$1.53 $1.53

$0.89 PEN 3.05

71.91%

Cigarettes 20 Pack (Marlboro, Camel)

$8.88 $8.88

$5.47 PEN 18.83

62.34%

Wine (Bottle)

$7.92 $7.92

$10.17 PEN 34.99

-22.12%

Local Beer (0.5 liter bottle)

$1.90 $1.90

$1.81 PEN 6.21

4.97%

Imported Beer (0.33 liter bottle)

$4.94 $4.94

$3.15 PEN 10.83

56.83%

One-way Ticket (Public Transport)

$0.99 $0.99

$0.66 PEN 2.28

50.00%

Public Transport Monthly Pass (Regular Price)

$30.39 $30.39

$31.89 PEN 110

-4.70%

Taxi Start (Normal Tariff)

$5.63 $5.63

$3.43 PEN 11.79

64.14%

Taxi (Normal Tariff) (1km)

$1.04 $1.04

$1.98 PEN 6.80

-47.47%

Taxi 1hour Waiting (Normal Tariff)

$17.88 $17.88

$9.60 PEN 33.03

86.25%

Gasoline (1 liter)

$0.86 $0.86

$1.71 PEN 5.89

-49.71%

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

$27.3K $27.3K

$21.9K PEN 75.2K

24.91%

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

$26.8K $26.8K

$29.0K PEN 99.9K

-7.68%

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

$169 $169

$65.8 PEN 227

157.47%

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

$58.9 $58.9

$15.26 PEN 52.5

285.78%

Internet (50+ Mbps, Unlimited Data)

$60.6 $60.6

$26.87 PEN 92.5

125.42%

Gym Membership (Monthly)

$49.54 $49.54

$32.91 PEN 113

50.53%

Tennis Court (1 Hour on Weekend)

$9.90 $9.90

$20.12 PEN 69.2

-50.80%

Cinema Ticket

$13.01 $13.01

$7.12 PEN 24.49

82.72%

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

$309 PEN 1,063

International Primary School, 1 Child (Yearly)

$9,646 $9,646

$21.4K PEN 73.5K

-54.82%

Jeans (Levis 501 Or Similar)

$74.4 $74.4

$52.0 PEN 179

43.09%

Summer Dress (H&M, Zara, etc)

$42.09 $42.09

$35.69 PEN 123

17.93%

Sport Shoes (Adidas, Nike)

$68.0 $68.0

$81.8 PEN 281

-16.91%

Men's Leather Business Shoes

$90.1 $90.1

$78.0 PEN 268

15.62%

1-bedroom Apartment, City Center (Monthly)

$843 $843

$727 PEN 2,501

15.94%

1-bedroom Apartment, Outside City Center (Monthly)

$835 $835

$373 PEN 1,284

123.70%

3-bedroom Apartment, City Center (Monthly)

$1,409 $1,409

$1,249 PEN 4,296

12.88%

3-bedroom Apartment, Outside City Center (Monthly)

$1,344 $1,344

$739 PEN 2,543

81.86%

Buy Apartment in City Center (m2)

$1,717 $1,717

$2,380 PEN 8,190

-27.87%

Buy Apartment Outside City Center (m2)

$1,759 $1,759

$1,365 PEN 4,696

28.85%

Average Monthly Net Salary (After Tax)

$3,279 $3,279

$650 PEN 2,237

404.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

8.38

-21.36%

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

Last update for Owensboro, KY: October 31, 2026

Last update for Lima: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Owensboro, KY

$835 42.3%

Lima

$373 35.8% 55.3% $461

Groceries & Markets

Owensboro, KY

$312 15.8%

Lima

$228 21.9% 26.9% $84

Eating Out

Owensboro, KY

$294 14.9%

Lima

$127 12.2% 56.9% $167

Monthly Utilities & Internet

Owensboro, KY

$289 14.6%

Lima

$108 10.4% 62.6% $181

Clothing & Footwear

Owensboro, KY

$124 6.3%

Lima

$111 10.7% 9.9% $12

Sport & Entertainment

Owensboro, KY

$76 3.8%

Lima

$47 4.5% 37.6% $28

Getting Around

Owensboro, KY

$45 2.3%

Lima

$48 4.6% 5.8% $2.6

Cost Breakdown

A one-bedroom apartment in the center runs $843 in Owensboro, KY and $727 in Lima. Housing cost is often the main lever when comparing two cities.

Owensboro, KY pays about 5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $59 in Owensboro, KY vs $34 in Lima for a mid-range dinner for two. Groceries echo the gap at $312 vs $228 per month, with Lima cheaper across the board.

Good to know

🇺🇸 Owensboro, KY

🇵🇪 Lima

🕒 Local time

15:05 3:05 PM

16:05 4:05 PM

1 h ahead of Owensboro, KY

🌤 Weather

👥 Population

55,525

9,989,369 Capital

💱 Currency

United States Dollar USD $

Peruvian Sol PEN S/

📈 Exchange rate

1 USD = 0.895 EUR

1 PEN = 0.291 USD

1 PEN = 0.26 EUR

Exchange rates and currency converter

PEN, EUR to USD – United States Dollar Converter

🇵🇪 Peruvian Sol (S/)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.895 EUR).

Peruvian Sol exchange rates as of November 6, 2026: 1 USD = 3.44 PEN (1 PEN = 0.291 USD). 1 EUR = 3.85 PEN (1 PEN = 0.26 EUR).

PEN to USD in detail →

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Owensboro, KY Lima 5,640 km ≈ 8 h nonstop flight

From you

Owensboro, KY
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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

Owensboro, KY vs Lima: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,974 in Owensboro, KY and $1,042 in Lima, so Lima is about 47% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Owensboro, KY is about 5 times higher, 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: $843 in Owensboro, KY versus $727 in Lima. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 37% higher in Owensboro, KY. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,974 per month in Owensboro, KY versus $1,042 in Lima – Lima is about 47% cheaper, which adds up to real savings over time.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

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