Owensboro

Cost of Living in Owensboro, KY (2026): Rent, Utilities & Take-Home

$2,393 left/mo

Photo: Madgeek1450 / Wikimedia

$2,879/mo in Owensboro. $2,393 left each month. Prices near the US average.

Pick a home city How we figure this

Monthly costs

Take-home $5,272/mo.

Taxes$1,706
Rent$917
Other$1,962
Left$2,393

Pay and tax, per year

Gross household pay: $83,730
Federal income tax: −$9,591
Social Security and Medicare: −$6,405
State income tax (KY): −$3,218
City / county wage tax: −$1,256
Take-home pay: $63,260
Effective tax rate: 24.4%

Living costs, per month

Rent, 1br: $917
Groceries: $378
Getting around: $593
Healthcare: $425
Utilities and internet: $236
Everything else: $330
Total spending: $2,879

After tax and rent

$2,393 left/mo

Stats

Rent: $1,092; 2 bd median
Take-home: $5,272; Per month
Tax: 24%; Of pay
Prices: 6% below; US, besides rent

Average electric bill in Kentucky

About $118 a month for a household using 900 kWh. That is the EIA residential price for Kentucky in 2025, 13.13¢ per kWh. It is a state average, not a Owensboro utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from Owensboro

Moving from Owensboro to Louisville