City Profile

Georgetown, Kentucky

USA · Comprehensive city data and intelligence

Overall Score

Georgetown, Kentucky, is a historic and rapidly growing city located in Scott County, known for its picturesque Victorian architecture and deep equine roots. Founded in 1784, it serves as the county seat and balances its rich heritage with modern industrial importance, most notably hosting the massive Toyota Motor Manufacturing Kentucky plant. Residents and newcomers are drawn to Georgetown for its charming small-town aesthetic, vibrant community events, and convenient proximity to both Lexington and Louisville.

About Kentucky

Kentucky, known as the Bluegrass State, offers a blend of Southern charm and Midwestern practicality with a rich heritage rooted in horse racing, bourbon, and bluegrass music. The economy is diverse, with manufacturing (especially automotive), healthcare, and agriculture (including horses, cattle, corn, and tobacco) being major industries. Living in Kentucky is generally affordable, with the cost of living estimated to be 10-12% lower than the national average, particularly for housing. The state experiences a humid subtropical climate with four distinct seasons, featuring warm, humid summers and moderately cold, rainy winters. Residents enjoy a lifestyle that balances urban amenities in cities like Louisville and Lexington with abundant outdoor recreation opportunities and a strong sense of community.

38,000

Population

$58K

Avg Salary

Cost Index

68.4

Quality Score

How this 68/100 was calculated five components, with every reading behind them

Component	Readings used	Points	Weight	Contributes
Safety	Safety score: 74 / 100	74.0	30%	22.2
Affordability	Cost of living index (100 = national baseline): 92.0	53.8	25%	13.4
Economy & jobs	Median household income: $68,500 Income needed to live here: $50,000 Unemployment rate: 3.8%	74.4	20%	14.9
Growth	Population growth rate: 2.1% Job growth rate: 2.4%	72.8	15%	10.9
Business climate assessment	Business climate assessment: 70 / 100	70.0	10%	7.0
Overall score				68.4

Provenance. These figures were produced by the research pass recorded as Tier 1 (fast) (q=52, partial — below threshold), last refreshed 16 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Performance

Quality Scores

Business

Livability

Affordability

Growth

Expenses

Cost of Living

The cost of living in Georgetown is generally below the national average, making it an attractive destination for families and professionals seeking affordability without sacrificing modern amenities. Housing costs, while rising due to rapid population growth driven by industrial expansion, remain relatively competitive compared to larger metropolitan hubs nearby. Everyday expenses such as groceries, utilities, and transportation also trend favorably against national benchmarks, contributing to overall financial accessibility.

Average Rent

$1,250/mo

Groceries

$380/mo

Transport

$110/mo

Utilities

$175/mo

Healthcare

$230/mo

Gym membership (monthly)

$40.00

Cinema ticket

$12.00

Restaurant meal (mid-range)

$20.00

Monthly groceries

$380.00

Doctor visit (without insurance)

$130.00

Income

Salary Insights

Georgetown's economy is anchored by advanced manufacturing, automotive production, and logistics, with Toyota Motor Manufacturing Kentucky standing as the region's dominant employer. Beyond automotive manufacturing, the local economy benefits from strong education, healthcare, and retail sectors supporting its expanding residential base. The city's strategic location along major transit corridors also fosters a growing entrepreneurial and remote work community looking for lower overhead costs.

The average salary in Georgetown is $58,000 per year. You would need approximately $50,000 to live comfortably.

Employment

Top Industries

Retail Trade +1.90% Accommodation & Food Services +2.40% Healthcare & Social Assistance +2.80% Educational Services +1.50% Automotive Manufacturing +2.20%

Weather

Climate

🌡️

56°F

Avg Temp

☀️

85°F

Summer High

❄️

25°F

Winter Low

🌧️

52.60"

Annual Rain

💧

68.00%

Humidity

🌤️

234

Sunny Days

Mobility

Transport

Georgetown is primarily a car-dependent community, though its layout features accessible grid patterns in the historic core. The city benefits from close proximity to Interstate 75, providing seamless commuting access to Lexington just 15 miles to the south. While public transit options are limited, ongoing infrastructure investments aim to improve local connectivity and traffic flow as the population expands.

25 min

Avg Commute

40.00/10

Transit Score

45.00/10

Walkability

High

Car Dependency

At a Glance

Pros & Cons

Advantages

Proximity to major regional employment centers, particularly the Toyota Kentucky manufacturing facility.

Cost of living and housing prices remain below the national average.

Rich historic charm featuring well-preserved Victorian architecture and vibrant downtown square.

Lower-than-average crime rates offering a secure, family-friendly environment.

Strategic location along Interstate 75 with easy access to Lexington and Cincinnati.

Drawbacks

High car dependency with limited public transportation options for daily commuting.

Rapid population growth has led to increasing traffic congestion on major local arteries.

Housing inventory can be tight during periods of strong regional economic expansion.

Limited nightlife and entertainment options compared to nearby Lexington.

Vulnerable to weather extremes including high summer humidity and occasional winter storms.

Explore

Nearby Cities

Lexington

Frankfort

Nicholasville

Richmond

Community Q&A

Questions about Georgetown

What people ask about living in and moving to Georgetown, Kentucky.

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FAQ

Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.