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Cost of Living: New York, NY vs Louisville, KY

A data-driven comparison of housing, groceries, transportation, taxes, job market and more. See which city gives you more for your money.

36.6% Louisville, KY is cheaper overall
57.9% 57.9% cheaper housing
18.1% 18.1% cheaper groceries
Updated April 2026 · Data: Bureau of Labor Statistics, U.S. Census Bureau National average = 100

At a Glance

🏠 Housing 57.9% cheaper
New York
195
Louisville
82
🛒 Groceries 18.1% cheaper
New York
116
Louisville
95
🚗 Transportation 24.6% cheaper
New York
130
Louisville
98
🏥 Healthcare 18.3% cheaper
New York
115
Louisville
94
⚡ Utilities 10.7% cheaper
New York
112
Louisville
100

Detailed Breakdown

Category New York, NY Louisville, KY Difference
Overall Cost Index1459236.6% less
Housing1958257.9% less
Median 1BR Rent$3,200$1,00068.8% less
Median Home Price$750,000$225,00070.0% less
Groceries1169518.1% less
Transportation1309824.6% less
Healthcare1159418.3% less
Utilities11210010.7% less

Tax Comparison

Tax Type New York, NY Louisville, KY
State Income Tax10.90% (top)4.00%
State Sales Tax4.00%6.00%
Avg Property Tax Rate1.40%0.78%
Estate / Inheritance TaxYesNone

What You'd Need to Earn

New York, NY
$115,000
Median household income
Louisville, KY
$60,000
Median household income
⚠️ Heads up: Louisville costs more but median income is lower. You may need to earn more to maintain the same standard of living.

Salary Equivalent Calculator

Find out what you'd need to earn in Louisville to maintain your New York lifestyle.

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Based on overall cost index: New York (145) vs Louisville (92). This is an estimate for comparison purposes.

Job Market Snapshot

Unemployment Rate
New York5.1%
Louisville4.0%
Job Growth (YoY)
New York2.8%
Louisville2.3%
Top Industries
New YorkFinance, Media, Tech
LouisvilleHealthcare, Manufacturing, Logistics

Quality of Life

Avg Commute
New York41 min
Louisville23 min
Walk Score
New York89
Louisville36
Air Quality (AQI)
New York48
Louisville46
Avg Temperature
New York55°F
Louisville57°F
Population
New York8,258,035
Louisville633,045

Moving from New York to Louisville?

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Planning Your Move?

Here are some helpful resources if you're considering relocating.

🏠 Find ApartmentsBrowse rentals in New York and Louisville → 🚚 Get Moving QuotesCompare prices from top movers → 📈 Check Home ValuesSee real estate trends in both cities → 💼 Search JobsFind open positions in Louisville →

Compare Other Cities

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Frequently Asked Questions

Is New York or Louisville cheaper to live in?+
Louisville is the more affordable option overall. The biggest difference is in housing costs, where the gap is about 57.9%. Day-to-day expenses like groceries and transportation are closer between the two cities.
How much is rent in New York vs Louisville?+
A typical one-bedroom apartment costs around $3,200/month in New York and $1,000/month in Louisville — a difference of about $2,200 per month.
Which city has lower taxes, New York or Louisville?+
New York has a state income tax of 10.90% (top) and sales tax of 4.00%. Kentucky has a state income tax of 4.00% and sales tax of 6.00%. Consider all tax types together when evaluating total tax burden, as states with no income tax often compensate with higher sales or property taxes.
Can I afford to move from New York to Louisville?+
Median household income in New York is $115,000 compared to $60,000 in Louisville. Use the salary calculator above to see what you'd need to earn to maintain your current standard of living.
What about buying a home in New York vs Louisville?+
The median home price in New York is $750,000 versus $225,000 in Louisville — a difference of $525,000. Property tax rates also differ: New York averages 1.40% while Kentucky averages 0.78%.