Paris, Kentucky, United States

11 Things to Know When Moving to Kentucky

Kentucky is a state in the Upland South region of the United States. It is bordered by Indiana, Ohio, and Illinois to the north; Virginia and West Virginia to the east; Missouri to the west and Tennessee to the south. It also is officially known as the Commonwealth of Kentucky. When you move to Kentucky, you can expect a random hello and conversations from strangers, you’ll come across some of the most genuine and friendly people in Kentucky. In addition to this, Kentucky is home to some stunning landscapes and top attractions such as the Kentucky Derby and the Boone National Park. On top of all, the cost of living in Kentucky is 11.4% lower than the U.S. average. So, if you are considering moving to Kentucky, there are several things you need to know and prepare. Here are 11 things you need to know before moving to Kentucky.


What to Know Before your Move to Kentucky

1. Before you Arrive in Kentucky

Find a reliable moving company, truck rental or moving container

For your move to Kentucky, you will need to hire a reliable moving company or take on the move yourself. To find the best moving company in Kentucky, look for good reviews, a professional-looking website, and years of experience.

Planning a move to Kentucky? Have a look at our selection of:

Forward your mail

If you are moving to Kentucky permanently and you receive a lot of mail (excluding packages), you may want to sign up with USPS’s mail forwarding service. Mail forwarding will allow your mail to be redirected to the right address for a given period of time. The fee for regular mail forwarding is only a little over a dollar for 6 months. If you want to extend the service, you will have to pay around $20 for 6 months more. You can begin your mail forwarding process by signing up on USPS’s website or directly at your local Post Office.


Sell or donate the items you won’t need in Kentucky

Moving to a new place is an opportunity to start afresh. If you’re moving to Kentucky, selling, or donating the items you won’t need will go a long way in making your move easier. You can sell your old household items and personal possessions, and anything that will not be useful. Pick out the items that will not be useful for you in Kentucky, then decide if you want to sell them on websites like Craigslist or Facebook MarketPlace or donate them to a non-profit organization.


2. What are the First Steps to Take When Arriving in Kentucky?

Change your address

Along with mail forwarding, you will also have to update your new address with the concerned authorities in Kentucky like the DMV. To exercise your right to vote in Kentucky, you can register to vote online, by mail and in person. To register by mail or in person, you can use the Mail-In Voter Registration Card (Form SBE 01), which can be printed or downloaded, or you can pick it from your local county clerk’s office. If you want to register in person, you can submit the form at your county clerk’s office or driver license issuance office. You should also change your address with your employer, bank, doctor, insurer, and service providers so that you can avoid any complications further down the road.


Exchange your driver’s license

Once you move to Kentucky and establish residency, you must transfer your out-of-state driver’s license within 30 days. In order to transfer your out-of-state driver’s license, you’ll need to visit the Kentucky DDL office in person with a completed Driver License ID Card Application (Form TC 94-30) and some other documents. You will also have to surrender your out of state license.

If your driving license is from another country, you will have to pass the vision, written, and driving tests.


Register your vehicle

If you have just moved to Kentucky, you’ll have to register your out-of-state vehicle with the KY Transportation Cabinet within 15 days. Failure to do so might result in penalties and additional charges. To get your car registered in Kentucky, you need to bring your vehicle title, proof of insurance, a completed Application for Kentucky Certificate of Title/Registration (Form TC 96-182) and some other documents and submit them to your county clerk’s office.


Consider getting health insurance

Getting health insurance is an excellent way to get peace of mind when it comes to your health. With health insurance, you will not have to worry about spending a ton of money in case of a health-related emergency. The state of Kentucky proposes a website to help you with your health insurance search. Simply choose Kentucky as your state and create an account.


Consider getting home insurance

Getting home insurance is essential, whichever state you are residing in. It is a kind of financial protection that will cover for your expenses if a natural disaster damages your home. Residents in Kentucky are at a risk of landslides, mudslides, tornadoes, hurricanes and floods. Therefore, getting home insurance will prove to be valuable.


3. Best Places to Live in Kentucky

If you are a couple, you might want to consider living in Lexington. It offers a suburban feel, a thriving nightlife, a diverse culture, best hospitals, and a lot of amenities.

If you are a family, you might want to consider Fort Thomas. Fort Thomas offers good housing facilities, safe parks for kids, great schools and it’s a great place to raise a family. 

If you are single, you should consider moving to Louisville. Louisville is home to the top-rated University of Louisville, good entertainment options and a great neighborhood. This is the reason a lot of young professionals live here. In addition to this, Louisville offers a lot of amenities. 


4. Housing and Renting in Kentucky

How to find an apartment in Kentucky?

If you are looking for an apartment for rent in Kentucky, these websites will help you out. 


How to find a house in Kentucky?

These websites will help you find a house in Kentucky.

5. How to Set Up Utilities in Kentucky?

Electricity, water, and gas in Kentucky

Louisville Gas and Electric Company and Kentucky Utilities Company is responsible for regulating electric power and natural gas Kentucky. They ensure that consumers are provided with accessible, safe and reliable energy services at reasonable rates. 

You can visit their website and search for electricity and gas providers and even reach out to them if you have any inquiry. The main purpose of LGE & KU is to keep the customers well informed regarding the services they are getting from the utility providers. 

To set up a water supply, you can contact or visit the website of Kentucky American Water.

Internet and cell phone in Kentucky

Getting a reliable internet service provider is what everyone desires. The state of Kentucky has some of the best internet providers and is the 46th most connected state in the USA with 69 broadband providers and 94% residents having access to 25 Mbps internet service. Internet providers in Kentucky offer a wide range of prices, speed and connection types. 

When it comes to a high-speed internet connection, there is a wide variety of options to choose from in Kentucky, including cable, DSL, Fiber and Satellite. The best internet providers in Kentucky will have bundling options, various speeds, and multiple package options at reasonable prices.


6. Cost of Living in Kentucky

The average cost of living in Louisville, Kentucky per month is $3000 for a couple. The cost of each individual expense is listed below.

Cost of living per month for a couple in Louisville



Rent – Mortgage


Utilities (gas, water, electricity, phone, internet)






Insurance (home, car, health)


Other (transportation, material goods)


Source: Numbeo (Food Price), Numbeo, TheZebra