Frisco vs Lexington Cost of Living
Lexington is approximately 12.4% cheaper than Frisco. See salary equivalence, taxes, and side-by-side breakdown.
Frisco, TX
Lexington, KY
| Salary in Frisco | Equivalent in Lexington | Difference |
|---|---|---|
| $50,000 | $43,800 | -$6,200 (-12.4%) |
| $75,000 | $65,700 | -$9,300 (-12.4%) |
| $100,000 | $87,600 | -$12,400 (-12.4%) |
| $150,000 | $131,400 | -$18,600 (-12.4%) |
| $200,000 | $175,200 | -$24,800 (-12.4%) |
Frisco vs Lexington: which is more affordable?
On an overall cost-of-living basis, Lexington is 12.4% cheaper than Frisco. That means if you currently spend $5,000/month in Frisco, you'd spend approximately $4,381 for the same lifestyle in Lexington. Or: $100,000 in Frisco ≈ $87,619 in Lexington for equivalent purchasing power.
These multipliers are based on Bureau of Economic Analysis Regional Price Parities and reflect average housing, food, transportation, and services costs. Real personal costs vary by neighborhood (urban core vs suburb), housing choice (rent vs own, apartment vs house), and lifestyle (frequency of dining out, car-dependent vs transit, etc.).
Tax differences
Texas has no state income tax, but Kentucky does (typical effective rate ~5% at middle incomes). Moving from Frisco to Lexingtonmeans losing the no-tax benefit. On a $100K salary, that's roughly $5,000/year more in taxes.
City local taxes: Frisco no local tax vs Lexington 2.25%. On $100K, the difference is roughly $2250/year.
What costs more (and less) in Lexington
Cost of living differences are driven mostly by housing — typically the biggest expense category. Lexington's housing index (0.56×) compared to Frisco's (0.79×) is the dominant factor.
Food, groceries, and transportation typically vary 5–15% between metros — much less than housing. For a couple moving from Frisco to Lexington, expect roughly:
- Rent / mortgage: -30% lower
- Groceries: -7% lower
- Transportation: -6% lower
- Healthcare, services: roughly proportional to overall index
Things this calculator can't fully capture
- Quality-of-life: weather, walkability, school quality, crime rates, commute times — not in the index.
- Career opportunities: a metro with higher cost-of-living often pays correspondingly higher salaries for the same role. See our salary calculator by job and city.
- Family situation: childcare, school district, eldercare costs vary independently of overall index.
- Lifestyle preferences: a frugal renter pays less than the index suggests; a property owner in a hot market might pay much more.
Related tools
Frisco Paycheck Calculator — exact take-home in Frisco. Lexington Paycheck Calculator — exact take-home in Lexington. Salary Calculator — hourly ↔ annual conversion. Inflation Calculator — purchasing power over time. Mortgage Calculator — what you can afford.