Moving to Kentucky from New Jersey

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What to Expect

Everything you need to know before relocating from New Jersey to Kentucky — costs, safety, healthcare, and practical first steps.

If you moved from New Jersey to Kentucky, you would find that Kentucky is 23.7% cheaper than New Jersey. A $75,000 salary in New Jersey would need to be roughly $54,710 in Kentucky to maintain the same lifestyle.

How Far Will Your Money Go?

What to expect for your wallet after moving from New Jersey to Kentucky.

What does your salary buy?

$75,000 $54,710

To maintain the same standard of living in Kentucky

Calculate with your salary →

Where you'll feel the difference day-to-day

Restaurants

pay 16.0% less

Groceries

pay 25.6% less

Transportation

pay 23.0% less

Housing

pay 21.1% less

Childcare

pay 30.6% less

Entertainment and Sports

pay 27.9% less

See full cost of living breakdown

Data: MyLifeElsewhere's crowdsourced cost of living database, with prices submitted and updated by users worldwide. Exchange rates are refreshed regularly from public sources.

Key Indicator Comparison

Key indicators for anyone considering a move from New Jersey to Kentucky.

Is it safe?

Violent crime rate FBI Uniform Crime Reporting, 2023

incidents per 100,000 people per year

NJ
215
KY
220
Property crime rate FBI Uniform Crime Reporting, 2023

incidents per 100,000 people per year

NJ
1481
KY
1525

New Jersey performs better than Kentucky across all safety metrics.

How's the healthcare?

Uninsured rate US Census Bureau (American Community Survey), 2023

share of people without health insurance

NJ
7.1%
KY
5.7%
Adult obesity rate Centers for Disease Control and Prevention (PLACES), 2022

share of adults with obesity

NJ
30.0%
KY
38.2%

New Jersey generally does better on health & wellbeing, though Kentucky leads in uninsured rate.

What about housing?

Median home value US Census Bureau (American Community Survey), 2023

typical price of a home

NJ
$427,600
KY
$192,300
Median rent US Census Bureau (American Community Survey), 2023

typical monthly gross rent

NJ
$1,653
KY
$933

Kentucky performs significantly better than New Jersey across all what about housing? metrics.

Will I have good infrastructure?

Internet access US Census Bureau (American Community Survey), 2023

share of households with internet

NJ
91.9%
KY
87.4%
Average commute US Census Bureau (American Community Survey), 2023

minutes each way to work

NJ
31 min
KY
24 min

New Jersey generally does better on infrastructure, though Kentucky leads in average commute.

What are the job prospects?

Unemployment rate Bureau of Labor Statistics, 2025

percentage of the labour force without work

NJ
4.5%
KY
3.5%
GDP per capita Bureau of Economic Analysis, 2024

a broad measure of economic output per person

NJ
$70,788
KY
$50,135

New Jersey generally does better on employment & economy, though Kentucky leads in unemployment rate.

Is it good for families?

Life expectancy OECD Regional Demography, 2020

average years of life at birth

NJ
77.5 yrs
KY
73.5 yrs
Bachelor's degree or higher US Census Bureau (American Community Survey), 2023

share of adults with a 4-year college degree

NJ
29%
KY
18%

New Jersey performs better than Kentucky across all family life metrics.

Data: Bureau of Economic Analysis, Bureau of Labor Statistics, Centers for Disease Control and Prevention (PLACES), FBI Uniform Crime Reporting, OECD Regional Demography, US Census Bureau (American Community Survey)

What's the Climate Like?

Monthly averages — select a city to compare.

Trenton Rain: 46.5 in/yr (1180 mm)
63° / 44°F

Avg. annual high / low

Bowling Green Rain: 49.9 in/yr (1267 mm)
69° / 47°F

Avg. annual high / low

Months Trenton Bowling Green
Jan–Mar 44°/27°F (7°/-3°C) 52°/31°F (11°/-1°C)
Apr–Jun 71°/51°F (22°/10°C) 78°/55°F (25°/13°C)
Jul–Sep 82°/62°F (28°/17°C) 87°/64°F (30°/18°C)
Oct–Dec 54°/36°F (12°/2°C) 59°/38°F (15°/3°C)
View all months
Month Trenton Bowling Green
Jan 39°/23°F (3.9°/-4.9°C) 45°/26°F (7.2°/-3.1°C)
Feb 42°/26°F (5.7°/-3.4°C) 50°/30°F (10.0°/-1.3°C)
Mar 51°/32°F (10.5°/-0.1°C) 60°/37°F (15.4°/2.8°C)
Apr 61°/41°F (16.3°/5.0°C) 70°/46°F (20.9°/7.6°C)
May 72°/51°F (22.1°/10.3°C) 78°/55°F (25.4°/12.8°C)
Jun 81°/60°F (27.1°/15.7°C) 86°/64°F (30.1°/17.7°C)
Jul 85°/66°F (29.6°/18.9°C) 89°/68°F (31.9°/19.9°C)
Aug 84°/64°F (28.7°/17.9°C) 89°/66°F (31.6°/18.9°C)
Sep 76°/56°F (24.5°/13.6°C) 82°/58°F (27.8°/14.4°C)
Oct 65°/44°F (18.3°/6.8°C) 71°/46°F (21.8°/7.9°C)
Nov 54°/37°F (12.5°/2.7°C) 59°/38°F (15.2°/3.1°C)
Dec 43°/28°F (6.2°/-2.4°C) 48°/29°F (8.8°/-1.6°C)

Data: National Weather Service National Weather Service

Frequently Asked Questions

Is it cheaper to live in Kentucky than New Jersey?

Yes — Kentucky is on average about 27% cheaper than New Jersey. City-level variation can be significant.

How much money do I need to move to Kentucky?

Plan for at least 3 months of living expenses — roughly $13,678 in Kentucky on a $75,000 comparable salary — plus one-off moving costs (movers, a truck rental, and a rental deposit).

Is Kentucky safe?

New Jersey performs better than Kentucky across all safety metrics.

How is healthcare in Kentucky compared to New Jersey?

New Jersey generally does better on health & wellbeing, though Kentucky leads in uninsured rate.

What's the weather like in Kentucky compared to New Jersey?

The average high temperature in Bowling Green is 69°F, compared to 63°F in Trenton. Bowling Green receives around 49.9 in of rainfall per year, while Trenton gets 46.5 in.

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