Cost of Living in Owensboro, KY - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $934 (excluding rent), and $1,958 including rent.

Family of 3: Estimated monthly costs are $2,471 (excluding rent), and $3,543 including rent.

Meal at Budget Restaurant

$18.34 $18.34

$12.23 $12.23

$40.75 $40.75

Three-Course Dinner for Two, Mid-Range

$60.5 $60.5

$50.4 $50.4

$111 $111

Fast Food Meal (McDonalds, etc)

$9.87 $9.87

$7.9 $7.9

$11.85 $11.85

Cappuccino

$5.89 $5.89

$4.46 $4.46

$8.91 $8.91

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

$1.92 $1.92

$1.01 $1.01

$5.06 $5.06

Water (0.33 liter bottle)

$1.36 $1.36

$1.02 $1.02

$3.59 $3.59

Local Beer (0.5 liter draught)

$3.96 $3.96

$2.97 $2.97

$8.92 $8.92

Imported Beer (0.33 liter bottle)

$5.12 $5.12

$13.32 $13.32

Milk (1 liter)

$1.16 $1.16

$0.81 $0.81

$1.63 $1.63

White Bread (500g)

$3.3 $3.3

$2.19 $2.19

$5.88 $5.88

Rice (white) (1kg)

$4.52 $4.52

$2.25 $2.25

$6.77 $6.77

Eggs

$3.79 $3.79

$1.87 $1.87

$5.94 $5.94

Local Cheese (1kg)

$6.56 $6.56

$69.5 $69.5

Chicken Fillets (1kg)

$11.22 $11.22

$6.04 $6.04

$22.45 $22.45

Beef Round Steak (1kg)

$9.01 $9.01

$18.02 $18.02

Apples (1kg)

$4.47 $4.47

$2.21 $2.21

$7.1 $7.1

Banana (1kg)

$1.32 $1.32

$1.09 $1.09

$3.54 $3.54

Oranges (1kg)

$2.67 $2.67

$1.54 $1.54

$11.19 $11.19

Tomato (1kg)

$3.47 $3.47

$1.49 $1.49

$6.87 $6.87

Potato (1kg)

$2.26 $2.26

$1.67 $1.67

$6.16 $6.16

Onion (1kg)

$2.16 $2.16

$6.46 $6.46

Lettuce (1 head)

$2.05 $2.05

$1.13 $1.13

$3.08 $3.08

Water (1.5 liter bottle)

$1.48 $1.48

$2.96 $2.96

Cigarettes 20 Pack (Marlboro, Camel)

$9.15 $9.15

$7.14 $7.14

$10.2 $10.2

Wine (Bottle)

$8.06 $8.06

$14.11 $14.11

Local Beer (0.5 liter bottle)

$2.11 $2.11

$1.78 $1.78

$4.41 $4.41

Imported Beer (0.33 liter bottle)

$4.48 $4.48

$1.76 $1.76

$7.13 $7.13

One-way Ticket (Public Transport)

$0.97 $0.97

$1.95 $1.95

Public Transport Monthly Pass (Regular Price)

$30.18 $30.18

Taxi Start (Normal Tariff)

$4.93 $4.93

$6.9 $6.9

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$2.22 $2.22

Taxi 1hour Waiting (Normal Tariff)

$21.25 $21.25

$50.6 $50.6

Gasoline (1 liter)

$0.77 $0.77

$0.71 $0.71

$0.93 $0.93

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

$32.4K $32.4K

$23.9K $23.9K

$36.8K $36.8K

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

$26.6K $26.6K

$25.6K $25.6K

$29.9K $29.9K

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

$167 $167

$118 $118

$294 $294

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

$60 $60

$40.01 $40.01

$107 $107

Internet (50+ Mbps, Unlimited Data)

$60.9 $60.9

$55.9 $55.9

$122 $122

Gym Membership (Monthly)

$51 $51

$17.85 $17.85

$51 $51

Tennis Court (1 Hour on Weekend)

$9.92 $9.92

Cinema Ticket

$13.28 $13.28

$11.03 $11.03

$20.05 $20.05

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

$1,242 $1,242

$764 $764

$1,603 $1,603

International Primary School, 1 Child (Yearly)

$30.7K $30.7K

$24.2K $24.2K

$32.3K $32.3K

Jeans (Levis 501 Or Similar)

$60.6 $60.6

$30.09 $30.09

$89.3 $89.3

Summer Dress (H&M, Zara, etc)

$47.63 $47.63

$28.48 $28.48

$73.7 $73.7

Sport Shoes (Adidas, Nike)

$90.8 $90.8

$49.1 $49.1

$118 $118

Men's Leather Business Shoes

$134 $134

$50.2 $50.2

$201 $201

1-bedroom Apartment, City Center (Monthly)

$716 $716

$599 $599

$791 $791

1-bedroom Apartment, Outside City Center (Monthly)

$768 $768

$1,477 $1,477

3-bedroom Apartment, City Center (Monthly)

$1,056 $1,056

$1,020 $1,020

$1,093 $1,093

3-bedroom Apartment, Outside City Center (Monthly)

$953 $953

$2,507 $2,507

Buy Apartment in City Center (m2)

$1,661 $1,661

$1,612 $1,612

$1,709 $1,709

Buy Apartment Outside City Center (m2)

$1,662 $1,662

$1,614 $1,614

$1,710 $1,710

Average Monthly Net Salary (After Tax)

$3,516 $3,516

20-Year Fixed Mortgage Interest Rate (Annual %)

6.47

6.19

6.8

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

Last update: November 23, 2025

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Owensboro, KY - Frequently Asked Questions

Owensboro offers solid value for travelers, expats, and digital nomads who want a practical base without metro prices. It’s typically cheaper for housing, groceries, and daily services than many large cities, with a comfortable range of dining and leisure options. The Cost of Living in Owensboro, KY, United States is shaped by approachable rents, accessible healthcare, and family-friendly neighborhoods, making it easier to budget during a flexible itinerary or a short-term assignment. Expect slower rhythms, short commutes, and a supportive local scene that helps you balance work and exploration. Tip: Build a simple monthly budget and test a few neighborhoods to see where you feel most at home.

Finding a place in Owensboro is often straightforward through local listings, with options ranging from downtown apartments to ranch homes in quieter neighborhoods. For groceries and dining, you’ll encounter a mix of farmers markets, casual eateries, and familiar chains that offer variety without the heftier city prices. Transport is practical: a car is convenient for suburbs, but you can bike or walk in core areas, and most towns have reliable local routes. For errands and coworking, several community spaces provide reliable wifi and a welcoming atmosphere. Owensboro, KY, United States living cost remains balanced as you compare essentials. Tip: Map a couple of neighborhoods to test day-to-day routines.

Quality of life in Owensboro is shaped by friendly communities, riverfront parks, and reliable services that support a balanced routine. A practical budgeting framework focuses on essential expenses, a buffer for seasonal shifts, and flexible discretionary spending for occasional trips or coworking days. Save by shopping at farmers' markets, taking advantage of discount days at local shops, and choosing neighborhoods with walkable amenities. Seasonality influences activities and dining options, but there are plentiful free or low-cost outdoor events throughout the year. When selecting a neighborhood, weigh commute comfort, safety, access to green spaces, and the pace you want. Tip: map a 3-month rotation of areas to feel the fit.