Lexington wins overall by ~10% (COL index)
Cost of living: Lexington vs Dallas (2026)
A $60,000 salary in Lexington buys roughly what $66,742 does in Dallas (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
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Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$441/yr
Favoring Lexington for this income & household (illustrative).
With an extra $37/mo in Lexington, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Lexington Kentucky | Dallas Texas | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,100Better | $1,200 | Lexington wins +$100/mo | $1,200/yr saves in Lexington |
| 1BR rent/mo | $1,350Better | $1,500 | Lexington wins +$150/mo | $1,800/yr saves in Lexington |
| 2BR rent/mo | $1,750Wins | $2,000 | Lexington wins +$250/mo | $3,000/yr saves in Lexington |
| Median home price | $270KWins | $330K | Lexington wins +$60K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 96 | 95Better | Dallas wins -1 | — |
| Budget meal (1 person) | $12Better | $13 | Lexington wins +$1/mo | — |
| Mid-range dinner (2) | $52Better | $55 | Lexington wins +$3/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $60Wins | $96 | Lexington wins +$36/mo | $432/yr saves in Lexington |
| Gas price/gal | $3.05Better | $3.05 | — | — |
| Car insurance/mo | $145Wins | $180 | Lexington wins +$35/mo | $420/yr saves in Lexington |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $158Better | $175 | Lexington wins +$17/mo | — |
| Internet/mo | $60Better | $60 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $56K | $60KBetter | Dallas wins +$4K more/yr | — |
| State income tax% | 4.0% | 0.0%Wins | Dallas wins -4.0 pp | $2,400/yr saves in Dallas |
| Sales tax (combined)% | 6.0%Wins | 8.3% | Lexington wins +2.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Better | $15.00 | Lexington wins +$1.00 | — |
| Gym membership/mo | $35Better | $38 | Lexington wins +$3/mo | — |
| Beer at restaurant | $5.50Better | $6.00 | Lexington wins +$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 89Better | 99 | Lexington wins +10 | — |
| Walk score / 100 | 38 | 46Wins | Dallas wins +8 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$2,400/yr tax difference into cash back
Lexington fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Lexington.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
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Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Lexington cheaper than Dallas?
Yes. Lexington is 10% cheaper than Dallas based on overall cost of living indices (89 vs 99, where 100 = US average).
What is the average rent in Lexington vs Dallas?
As of Q1 2026, the median 1-bedroom rent in Lexington is $1,350/month and in Dallas is $1,500/month. Lexington is cheaper by 10%.
How much do I need to earn in Dallas to match a $75,000 salary in Lexington?
To maintain a similar lifestyle, you would need approximately $83,427/year in Dallas to match a $75,000 salary in Lexington. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Lexington or Dallas?
Dallas has the lower state income tax rate at 0% vs 4%. Dallas has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Lexington to Dallas?
It depends on your priorities. Lexington offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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