Cost of Living in Louisville, KY

Louisville/Jefferson County, KY-IN — prices, rents and what jobs really pay here after taxes.

Price level
93.1
U.S. average = 100 · #207 of 387
Median wage
$48,370
all jobs · $3,289/mo take-home
1-bedroom rent
$1,026
HUD fair market rent

Salary comparison calculator

What would you need to earn in Louisville, KY to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
—

    Prices in Louisville, KY vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items93.1−6.9%
    Housing78.6−21.4%
    Goods96.2−3.8%
    Utilities75.0−25.0%
    Other services96.8−3.2%

    Source: BEA Regional Price Parities, 2024.

    Rent in Louisville, KY

    UnitMonthly rentIncome needed (30% rule)
    Studio$951$38,040/yr
    1 bedroom$1,026$41,040/yr
    2 bedrooms$1,248$49,920/yr
    3 bedrooms$1,596$63,840/yr
    4 bedrooms$1,861$74,440/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Take-home pay in Louisville, KY

    Paycheck in Louisville, KY
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $39,470
    per year · effective tax rate 18.4%
    $3,289Monthly
    $1,645Twice a month
    $1,518Every 2 weeks
    $18.98Hourly
    • Federal income tax$3,624
    • Social Security (6.2%)$2,999
    • Medicare (1.45%)$701
    • Kentucky income tax$1,575
    • Take-home pay$39,470

    Marginal rate: 12% federal + 3.50% state

    Highest-paying jobs in Louisville, KY

    JobMedian salaryTake-homeReal value*
    Anesthesiologist$239,200+$318,149$341,824
    Physicians, All Other$239,200+$225,893$242,703
    Nurse Anesthetist$222,520$157,471$169,189
    Chief Executive$213,920$151,809$163,106
    Maintenance Workers, Machinery$157,260$113,367$121,803
    Computer and Information Systems Manager$150,710$109,119$117,239
    Architectural and Engineering Manager$149,430$108,289$116,347
    Pharmacist$143,920$104,716$112,508
    Sales Manager$137,880$100,799$108,300
    Financial Manager$136,970$100,209$107,666
    Marketing Manager$136,350$99,807$107,234
    Managers, All Other$134,710$98,743$106,091
    Captains, Mates, and Pilots of Water Vessels$130,380$95,935$103,074
    Lawyer$124,530$92,141$98,998
    Nurse Practitioner$122,900$91,084$97,862
    Human Resources Manager$122,360$90,734$97,486
    Education Administrators, Kindergarten through Secondary$115,400$86,093$92,499
    Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products$115,320$86,039$92,442
    Medical and Health Services Manager$112,070$83,866$90,107
    Industrial Production Manager$111,440$83,445$89,655

    *In U.S.-average dollars after adjusting for local prices.

    Frequently asked questions

    Is Louisville, KY expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the Louisville/Jefferson County, KY-IN metro area are 93.1% of the U.S. average, with housing at 78.6%. It is the #207 most expensive of 387 metro areas we track.

    What salary do you need to live in Louisville, KY?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $55,844 in Louisville, KY (before tax differences). The median wage across all jobs here is $48,370.

    How much is rent in Louisville, KY?

    HUD’s FY2026 fair market rents for Louisville, KY are $951 for a studio, $1,026 for one bedroom, $1,248 for two bedrooms and $1,596 for three bedrooms, including utilities.

    All salaries in Louisville, KY

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    Production Occupations

    Transportation and Material Moving Occupations

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