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Lexington, KY

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US location · verified

Neighborhood intelligence

Your Lexington relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Lexington.

Median rent

$1,164/mo

ACS 2024 5-year

Median household income

$69,479

ACS 2024 5-year

Median home value

$293,500

ACS 2024 5-year

Safety score

60/100

FBI CDE

Weather

63°F (H 76° / L 51°)

Open-Meteo

Buying in Lexington? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

60/100

FBI CDE

Typical urban safety profile — At national average FBI data, 2023–2024

Good

Noise Level

39 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 63°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 65 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Lexington KY

Lexington is one of the more affordable options in its region at $1,164/month typical rent. Safety scores 60/100.

Lexington has about 323,725 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Lexington KY Safe?

Lexington KY scores 60/100 on safety (below average). Crime is near the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 100 (100 = avg); violent crime index 70; property crime index 130. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Lexington KY

School quality varies by neighborhood in Lexington. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Lexington KY

Typical rent in Lexington is about $1,164/month (affordable). At $1,164/month for a typical unit, you need about $41,904+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $293,500.

Median household income is $69,479, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($69,479) clears the $41,904 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Lexington KY

Average temperature is about 63°F (highs near 76°F, lows near 51°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Lexington KY?

Who tends to thrive in Lexington: (1) Renters who want $1,164/month housing without coastal prices (comfort income is about $41,904) (2) Households earning $41,904+ who can clear the 3× rent rule at $1,164/month (3) Movers with a locked job offer in Lexington who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 60/100) (2) Households expecting top marks on rent and safety at once (Lexington does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $41,904 household income for $1,164/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Lexington scores 60/100 on safety with $1,164/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Lexington when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Lexington.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,039

Mortgage + tax + insurance + HOA

Annual property tax

$4,256

Annual est. $5,580

Est. monthly utilities

$460

Climate-adjusted electric, gas & water

Median home price

$293,500

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$264k
2022
$271k
2023
$278k
2024
$286k
2025
$294k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$875/mo vs buying
$1,164ACS 2024 5-year
Rent
$2,039
Buy

Mortgage

$1,484

Property tax

$355

Insurance

$105

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,895/yr

2024

1.37%

$4,012/yr

2025

1.41%

$4,132/yr

2026

1.45%

$4,256/yr

Buying in Lexington? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,258/yr

moderate exposure
Wind hazard index65 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 63°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,258.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Lexington to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo