City Comparison

Lexington vs Santa Rosa

Cost of Living Comparison · 2026

Lexington

Kentucky
93
Below Average
$245,000
Median Home
$1,200/mo
Median Rent
$55,648
Median Income

Santa Rosa

California
152
Very Expensive
$720,000
Median Home
$2,100/mo
Median Rent
$94,300
Median Income

The Verdict

38.8%

Living in Lexington costs 38.8% less than Santa Rosa. To match the purchasing power of a $75,000 salary in Lexington, you would need $122,581 in Santa Rosa.

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Housing
82
Lexington
233
Santa Rosa
Groceries
96
Lexington
107
Santa Rosa
Utilities
91
Lexington
135
Santa Rosa
Transportation
98
Lexington
128
Santa Rosa
Healthcare
94
Lexington
112
Santa Rosa

Salary Equivalence

A $75,000 salary in Lexington has the same purchasing power as $122,581 in Santa Rosa.

Conversely, $75,000 in Santa Rosa equals $45,888 in Lexington.

Living in Lexington vs Santa Rosa

Housing Costs

Lexington's housing index of 82 is lower Santa Rosa's 233, translating to median home prices of $245,000 vs $720,000. The $475,000 difference in home prices means roughly $30,876 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Lexington compared to $2,100/mo in Santa Rosa, a monthly difference of $900.

Grocery & Food Costs

Grocery expenses index at 96 in Lexington and 107 in Santa Rosa. A household spending the national average of $475/month on groceries would pay approximately $456/month in Lexington vs $508/month in Santa Rosa. Lexington offers a meaningful advantage on everyday food costs, saving roughly $624/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 91 in Lexington and 135 in Santa Rosa. Monthly utility bills average approximately $364 in Lexington vs $540 in Santa Rosa. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 94 in Lexington and 112 in Santa Rosa. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $55,648 in Lexington and $94,300 in Santa Rosa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $59,837 and $62,039 respectively. Santa Rosa residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,298/month to housing in Lexington vs $2,200/month in Santa Rosa. In Lexington, median rent of $1,200/mo fits within this budget. In Santa Rosa, median rent of $2,100/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 151 index points — focus your budget analysis there.

Frequently Asked Questions

Lexington is 38.8% more affordable overall with an index of 93 vs 152.
A $75,000 salary in Lexington has equivalent purchasing power to approximately $122,581 in Santa Rosa, based on the cost of living difference.
Lexington's housing index is 82 with median homes at $245,000, while Santa Rosa's is 233 with median homes at $720,000.

Moving & Relocation Resources

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