Cost of Living in Owensboro, KY (2026) – Salary Needed & Budget Calculator
Thinking about moving to Owensboro? Use this 2026 Owensboro cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.
Monthly Budget Breakdown
Your salary provides a comfortable buffer for life in Owensboro. You can save and enjoy leisure activities.
| Category | Monthly Cost |
|---|---|
| Rent (Single) | $1,000.00 |
| Utilities | $260.00 |
| Groceries | $450.00 |
| Transportation (Public) | $350.00 |
| Healthcare | $400.00 |
| Miscellaneous (10.0%) | $171.00 |
| Total Estimated Costs | $2,631.00 |
Tax & Benefits Breakdown
Quality of Life & Environment
Local Climate
Enjoy 218 days of sunshine per year. Summer highs avg 89°F, while winter lows dip to 21°F.
Safety & Crime Rate
Owensboro ranks as a moderate safety zone compared to national averages for similar-sized metros.
Environmental Index
Air quality and environmental health factors in Kentucky remain a key priority for 2026.
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Owensboro, KY Cost of Living Guide (2026)
The 2026 cost of living in Owensboro, KY reflects the broader growth of the Kentucky region and its diverse economy.
🏠 2026 Housing & Rent
For those seeking a home in Owensboro, the 2026 budget should account for a monthly 1-bedroom rent of roughly $1,000. This cost includes access to Owensboro's well-maintained infrastructure and community amenities.
💰 Taxes and Financial Planning
Benefiting from the economic climate of Kentucky, Owensboro residents navigate a 4.5% state income tax rate. This allows for a balance between public service funding and individual financial growth.
🌟 Local Vibe & Lifestyle
With its strategic location in Kentucky, Owensboro offers residents a mix of suburban comfort and modern convenience, ideal for those seeking a stable 2026 lifestyle.
Salary Needed to Live Comfortably
In our estimation, to live a comfortable life in Owensboro with a buffer for savings and hobbies, you would need a gross annual salary of approximately:
This assumes you want to save at least $1,000 per month after all expenses and taxes.
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The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.