๐Ÿ’ฐ COL Index: 93 โ€” Below Avg Cost

Salaries in Georgetown, KY

What every job actually pays โ€” cost-of-living adjusted

Updated: February 2026 ยท 27 occupations ยท BLS + Census data

Avg. Salary
$55,827
across 27 roles
COL-Adjusted Avg
$59,964
real purchasing power
Top Paying Role
Software Developer
$124,625
1BR Rent
$837
median monthly

Hereโ€™s the funny thing about Georgetown, Kentucky: you can make a six-figure salary here and still feel like youโ€™re living in a place your grandparents would recognize as affordable. The cityโ€™s median household income sits at $78,373, which isnโ€™t peanuts, but the real story is how far that money goes.

With a cost of living index of 93.1โ€”about 7% below the national averageโ€”your paycheck has some extra muscle. A software developer pulling in $124,625 has a purchasing power equivalent to over $133,000 in an average U.S. city. Even the average salary across all roles, at $55,827, adjusts to nearly $60,000 in real terms. That buys a lot of breathing room when a one-bedroom apartment averages just $837 a month.

Georgetown isnโ€™t a tech hub, but it has a solid, diverse economic base. Manufacturing is huge here, thanks in part to the Toyota plant in nearby Georgetown County. That spills over into logistics and skilled trades. Youโ€™ll also find opportunities in healthcare and education, with local schools and clinics being steady employers. The cityโ€™s 4.0% unemployment rate is right at the healthy national average, suggesting the job market is stable, if not explosive.

But hereโ€™s the catch: while your money stretches far, wages arenโ€™t necessarily skyrocketing. The top-paying role is software development, but thatโ€™s a field where remote work can skew local data. For most peopleโ€”like accountants, nurses, and teachersโ€”the salaries are solid for the region but wonโ€™t make you rich. If youโ€™re in a skilled trade like electrician work, the local demand and lower cost of living can be a fantastic combo.

The data below breaks down the top-paying jobs, showing both raw salaries and what theyโ€™re actually worth in Georgetown. Itโ€™ll tell you whoโ€™s thriving and whether this small city makes financial sense for your career.

๐Ÿ† Top 5 Highest-Paying Jobs in Georgetown

Ranked by raw salary. See COL-adjusted figures in the full table below.

๐Ÿฅ‡ -2% vs national

Software Developer

$124,625
๐Ÿ’ก COL-Adjusted $133,861
โฑ Hourly $59.92/hr
๐Ÿ“ˆ Job Growth +17.0%
๐Ÿฅˆ -2% vs national

Accountant

$84,298
๐Ÿ’ก COL-Adjusted $90,546
โฑ Hourly $40.53/hr
๐Ÿ“ˆ Job Growth +3.0%
๐Ÿฅ‰ -2% vs national

Registered Nurse

$84,288
๐Ÿ’ก COL-Adjusted $90,535
โฑ Hourly $40.52/hr
๐Ÿ“ˆ Job Growth +6.0%
4๏ธโƒฃ -2% vs national

Elementary School Teacher

$62,352
๐Ÿ’ก COL-Adjusted $66,973
โฑ Hourly $29.98/hr
๐Ÿ“ˆ Job Growth +3.0%
5๏ธโƒฃ -2% vs national

Electrician

$60,275
๐Ÿ’ก COL-Adjusted $64,742
โฑ Hourly $28.98/hr
๐Ÿ“ˆ Job Growth +3.0%

๐Ÿ“‹ Complete Salary Guide โ€” All 27 Occupations in Georgetown

COL-Adjusted Salary = Raw salary divided by the cost of living index (93/100). Higher = more real purchasing power. This city's COL is below the US average.

# Occupation โ†• Raw Salary โ†•
1 Software Developer $124,625
2 Accountant $84,298
3 Registered Nurse $84,288
4 Elementary School Teacher $62,352
5 Electrician $60,275
6 Real Estate Agent $60,207
7 Heavy Truck Driver $51,991
8 Nursing Assistant (CNA) $48,965
9 Paralegal $48,965
10 Welder $48,965
11 Construction Manager $48,965
12 Police Officer $48,965
13 Project Manager $48,965
14 Graphic Designer $48,965
15 Data Analyst $48,965
16 Plumber $48,965
17 Dental Hygienist $48,965
18 Carpenter $48,965
19 Human Resources Specialist $48,965
20 Financial Analyst $48,965
21 Physical Therapist $48,965
22 Pharmacist $48,965
23 HVAC Technician $48,965
24 Web Developer $48,965
25 Firefighter $48,965
26 Marketing Manager $48,965
27 Medical Assistant $48,965

Source: Bureau of Labor Statistics Occupational Employment Statistics. COL Index from C2ER/ACCRA.

๐Ÿ™๏ธ Living Costs in Georgetown

๐Ÿ 
1BR Rent
$837/mo
๐Ÿก
2BR Rent
$1,046/mo
๐Ÿ˜๏ธ
Median Home
$296,750
๐Ÿ“‰
Unemployment
4.0%
๐Ÿ’ณ
Median Income
$78,373
๐ŸŽ“
College Educated
33%
๐Ÿšถ
Walk Score
35/100
๐Ÿ“Š
Cost of Living
93
Below Avg Cost

๐Ÿงฎ Can You Afford to Live in Georgetown?

Use our Salary Reality Check to see if your specific income covers housing, taxes, and expenses in Georgetown. Enter your salary and see exactly how far your money goes.

โ“ Georgetown Salary FAQ

What is the average salary in Georgetown, KY?

โ–ผ
The average salary across 40 occupations in Georgetown is $55,827 (2026). This is below the median household income of $78,373, indicating a mix of higher and lower-paying roles. Insight: The cost of living index is 93.1, meaning your salary goes further here than the U.S. average.

What jobs pay the most in Georgetown?

โ–ผ
The highest-paying role is Software Developer at $124,625 (2026). This is more than double the area's average salary of $55,827. Insight: Tech roles command a premium, but the COL index of 93.1 means this salary has strong purchasing power locally.

Is Georgetown affordable on a Software Developer salary?

โ–ผ
Yes, a Software Developer salary of $124,625 is highly affordable in Georgetown (2026). With 1BR rent at $837/month, housing costs are only ~8% of gross monthly income. Insight: The cost of living index of 93.1 further boosts affordability, leaving significant room for savings and discretionary spending.

How does Georgetown's cost of living affect my paycheck?

โ–ผ
Georgetown's cost of living index is 93.1 (2026), meaning your paycheck has about 7% more purchasing power than the U.S. average. For example, 1BR rent is $837/month, which is lower than national averages. Insight: This allows for higher savings rates or better lifestyle compared to higher-cost cities.

What salary do you need to live comfortably in Georgetown?

โ–ผ
A comfortable living salary in Georgetown is around $78,373 (2026), matching the median household income. This covers 1BR rent ($837/month) and other expenses with room for savings. Insight: With a COL index of 93.1, this salary provides comfort above the area's average of $55,827.

๐Ÿ“ Editor's Verdict: Is Georgetown Worth It?

Hereโ€™s my honest verdict: Georgetown is a smart financial move if youโ€™re in tech. Software Developers crush it here, pulling a six-figure, COL-adjusted salary ($133,861) while rents stay at $837. Thatโ€™s a wealth-building combo you wonโ€™t find in most cities. For healthcare and trades, pay is solid but not spectacularโ€”youโ€™ll live comfortably, but donโ€™t expect to get rich. The broader $55,827 average tells the real story: this is an affordable town, not a high-rollerโ€™s paradise. If youโ€™re considering the move, my advice is simple: lock in a remote or tech role before you arrive. Youโ€™ll leverage that low cost of living without sacrificing big-city pay. For everyone else, run the numbers carefully. Georgetown works, but it works best for the right worker.

Explore Georgetown Further