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Louisville/Jefferson County, KY-IN

Cost of living in Louisville, Kentucky

Jefferson County, KY

Part of the Louisville/Jefferson County Metro Area

Estimated monthly cost
$3,123/mo
for a single person, all categories combined

Population 777,392 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,094 35%
Federal tax $527 17%
Healthcare $480 15%
Transport $320 10%
Groceries $312 10%
Energy $194 6%
State tax $141 5%
Water $55 2%

Rent in Louisville

Fair Market Rents by bedroom count.

Studio
$1,003
per month
1 bedroom
$1,094
per month
2 bedroom
$1,330
per month
3 bedroom
$1,714
per month
4 bedroom
$1,989
per month

Source: HUD FMR FY2025

Income and earnings in Louisville

Annual earnings figures from the Census ACS.

Household income
$67,849
per year
Individual earnings
$42,306
per year
Per capita
$41,267
per year

Source: ACS 2019-2023 5-Year.

Home values in Louisville

Average values reported by homeowners.

Average home value
$237,200
Annual property tax
$2,023

Source: ACS 2019-2023 5-Year

Energy costs in Louisville

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 13.3¢/kWh
Natural gas
$54
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Louisville

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.6%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Louisville

State and local tax rates for Kentucky.

State income tax
4.0%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Louisville

Commute patterns and estimated costs.

Average commute
22.3 min
Drive alone
73.7%
Public transit
1.9%
Work from home
12.4%

Source: ACS

Monthly cost estimates for Louisville

What it costs to live in Louisville each month.

Single person
$3,123
per month
  • Rent $1,094
  • Energy $194
  • Water $55
  • Groceries $312
  • Transport $320
  • Healthcare $480
  • Federal tax $527
  • State tax $141
Couple
$4,435
per month
  • Rent $1,330
  • Energy $233
  • Water $65
  • Groceries $517
  • Transport $420
  • Healthcare $864
  • Federal tax $780
  • State tax $226
Family
$6,940
per month
  • Rent $1,714
  • Energy $291
  • Water $75
  • Groceries $784
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $780
  • State tax $226

Frequently asked questions about Louisville

Common questions about cost of living, rent and salary.

What is the average rent in Louisville?

In Louisville, Kentucky, a one-bedroom apartment averages $1,094 per month, a two-bedroom averages $1,330 per month, a three-bedroom averages $1,714 per month, according to HUD Fair Market Rent data.

What is the average salary in Louisville?

In Louisville, Kentucky, the average household income is $67,849 per year and individual earnings for full-time workers average $42,306 per year, according to U.S. Census Bureau data.

What is the cost of living in Louisville?

The estimated cost of living in Louisville, Kentucky is approximately $3,123 per month for a single person, $4,435 for a couple, $6,940 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Louisville?

The combined sales tax rate in Louisville, Kentucky is 6.00%, which includes the Kentucky state rate of 6.00% plus an average local rate of 0.00%.

Is Louisville an affordable place to live?

Based on the data, a single person in Louisville, Kentucky would need approximately $3,123 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $67,849 per year ($5,654 per month). Louisville has a moderate cost of living relative to local earnings.

How much does healthcare cost in Louisville?

The ACA marketplace benchmark premium in Louisville, Kentucky is approximately $480 per month for an individual. Approximately 5.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Louisville?

The average home value in Louisville, Kentucky is $237,200, with average annual property taxes of $2,023, according to U.S. Census Bureau data.

How does Louisville compare to other areas?

You can compare Louisville, Kentucky with any other US county using our comparison tool at /compare. Louisville is in the Louisville/Jefferson County, KY-IN metro area.

Other counties in Kentucky

Browse the full list of counties in Kentucky, ranked by cost of living.

See all counties in Kentucky

Compare Louisville with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources