Cost of Living in Louisville, KY, United States

Updated On July 18, 2023

How Much Does It Cost to Live In Louisville, KY?

Louisville is the largest city in Kentucky, with about one and a quarter million people living in the metro area.

Louisville is a large city with a small-town feel and many people know it as the “biggest small town in America” – rightfully so.

The people are very friendly and definitely bring the true meaning of Southern Hospitality.

One can get almost anywhere in the city in a short time (unless it is a busy street during “rush hour”).

Louisville is fascinating, friendly, and reasonable when it comes to the cost of living.

Cost of Living Index:
* Based on Research & User Data


Louisville has some of the best food selections in the country and rivals big-time foodie cities like New York and Chicago.

You can come and try the food from almost any part of the world you can imagine and never even have to think about a “chain” restaurant unless you really want to save some money.



You’ll have no problem finding 24-hour supermarkets here and they’re well-stocked, too.

Cooking by yourself is very economical, and if you have a shopping list, and you’re smart about your groceries, following all the daily sales in regular American supermarket stores – then you can save a bunch of money.



Louisville’s public transit service, TARC offers bus lines in all parts of Louisville Metro.

Fares are 1.80$ for adults (75 cents for children between 6 and 17) with a possibility for two transfers in two hours – which is definitely more than reasonable.

You’ll also be fine with a car, as it’s not too expensive and the traffic’s not bad in Louisville either.



Like in most other American cities, utilities aren’t too expensive in Louisville – by American standards, though it does depend on the amount of electricity you use and on the size of your apartment.

For example, for a bit larger apartment, of about 85m2, all basic utilities like heating, cooling, electricity, and gas will cost you around 195$.

Sports and leisure


Louisville boasts some great parks (all free) to walk, jog, ride a bike, and play ball (basketball, soccer, baseball, etc.)

A gym or a fitness club membership will cost you only around 25$ while going to the cinema and enjoying some movie time is also pretty reasonable, at 12$ per ticket.

Clothing and shoes


Though there are several malls and shopping areas in which to browse for clothing and shoes, you can support Louisville’s impressive number of locally-owned businesses by shopping in areas like the Highlands.

As for the regular brands, you can buy quality jeans for around 52$, and running sneakers for 80$.

Rent per month


The cost of renting, in general, is incredibly low.

You can find a large-sized, two-bedroom apartment in some parts of the city for well under $1,300 a month, and even in the city center where you can find one for around 800$.

As you get further away from the center, the prices drop, so you can find a one-bedroom apartment for roughly 920$.

Cost of Living Averages Table for Louisville, KY

*Note: All prices are indicated in USD.
Average Restaurant Prices
Meal (Inexpensive Restaurant)$16.00
Domestic Beer (0.5 Liter)$4.50
Water (0.33 Liter)$1.50
Average Market Prices
Milk (1 Liter)$0.67
Loaf Bread (500g)$2.99
Eggs (12)$2.77
Average Transport Prices
One Way Ticket$1.80
Monthly Pass$50.00
Average Utilities Prices
Basic (Water, Electricity, Garbage, Heating, Cooling)$195.76
1 min. of Prepaid Mobile Tariff Local$0.10
Internet (Unlimited Data, Cable/ADSL)$60.0
Average Leisure Prices
Fitness Club, Monthly Fee for 1 Adult$24.80
Tennis Court Rent (1 Hour)$22.67
Cinema, 1 Seat, International Release$12.25
Average Clothing Prices
1 Pair of Jeans (Levis 501 Or Comparable)$52.50
1 Summer Dress in a Chain Store (Zara, etc...)$46.67
1 Pair of Adidas Walking Shoes (Mid-Range)$82.86
Average Rent Prices
Apartment (1 bedroom) in City Center$1290.00
Apartment (1 bedroom) Outside of Center$929.44
Apartment (3 bedrooms) in City Center$2175.00

How Does the Average Person Spend Their Money in Louisville, KY?

As in most countries of the world, the biggest expense for the people of Louisville is food and groceries – a huge percentage of one’s income gets spent on food.

The second biggest expense is rent since it’s relatively high though not as high as in more popular cities of America.

Transportation expenses and going to restaurants are equally as important for the people of Louisville since they spend nearly the same amounts of money on both.

Not surprisingly, the smallest financial burden for the people of Louisville are, as always, the clothes and accessories.

Average Costs Breakdown


Louisville, KY: Average Salary, Minimum Wage & Mortgages

Businesses seem to be going pretty stable in Louisville – at no extreme growth or loss. Everything just moves along at a slow pace.

The cost of living in the city is great and there are ample job opportunities but limited high-end positions/companies.

It’s a very logistics/warehouse-driven city so there are a bunch of jobs in those fields that pay well for the cost of living.

An average monthly net salary in Louisville is around 4500$ while a minimum wage is roughly 1400$.

Average Salary$4556.25
Minimum Wage$1430.00
Mortgage Interest Rate6.40%

Louisville Safety Overview

READ THE FULL REPORT: Louisville Safety Review

Safety Index:

Cost of Living by City in Louisville, KY

CityCost of Living Index
Albany, NY72.4
Albuquerque, NM72.4
Anchorage, AK72.4
Ann Arbor, MI72.4
Arlington, TX72.4
Asheville, NC72.4
Atlanta, GA72.4
Austin, TX72.4
Bakersfield, CA72.4
Baltimore, MD72.4
Bellevue, WA72.4
Bellingham, WA72.4
Berkeley, CA72.4
Birmingham, AL72.4
Boise, ID72.4
Boston, MA72.4
Boulder, CO72.4
Brooklyn, NY72.4
Buffalo, NY72.4
Burlington, VT72.4
Charleston, SC72.4
Charlotte, NC73.33
Chattanooga, TN72.4
Chicago, IL72.4
Cincinnati, OH72.4
Cleveland, OH72.4
Columbia, SC72.4
Columbus, OH72.4
Dallas, TX72.4
Dayton, OH72.4
Denver, CO72.4
Des Moines, IA72.4
Detroit, MI72.4
El Paso, TX72.4
Eugene, OR72.4
Everett, WA72.4
Fayetteville, AR72.4
Fort Myers, FL72.4
Fort Wayne, IN72.4
Fort Worth, TX72.4
Fresno, CA74.2
Gainesville, FL74.2
Grand Rapids, MI74.2
Greensboro, NC74.2
Hartford, CT74.2
Honolulu, HI74.2
Houston, TX74.2
Huntsville, AL74.2
Indianapolis, IN74.2
Irvine, CA74.2
Jacksonville, FL74.2
Jersey City, NJ74.2
Kansas City, MO74.2
Knoxville, TN74.2
Las Vegas, NV74.2
Lexington, KY74.2
Little Rock, AR74.2
Long Beach, CA74.2
Los Angeles, CA74.2
Lubbock, TX74.2
Madison, WI74.2
Memphis, TN74.2
Miami, FL74.2
Milwaukee, WI74.2
Minneapolis, MN74.2
Nashville, TN74.2
New Orleans, LA74.2
New York, NY74.2
Oakland, CA74.2
Oklahoma City, OK74.2
Olympia, WA74.2
Orlando, FL74.2
Peoria, IL72.4
Philadelphia, PA72.4
Phoenix, AZ72.4
Pittsburgh, PA72.4
Portland, ME72.4
Portland, OR72.4
Raleigh, NC72.4
Reno, NV72.4
Richmond, VA74.2
Rochester, NY74.2
Sacramento, CA74.2
Saint Louis, MO74.2
Saint Paul, MN74.2
Saint Petersburg, FL74.2
Salem, OR74.2
Salt Lake City, UT74.2
San Antonio, TX74.2
San Diego, CA74.2
San Francisco, CA74.2
San Jose, CA74.2
Santa Barbara, CA74.2
Santa Rosa, CA74.2
Seattle, WA74.2
Spokane, WA74.2
Springfield, MO74.2
Syracuse, NY74.2
Tacoma, WA74.2
Tallahassee, FL74.2
Tampa, FL74.2
Toledo, OH74.2
Tucson, AZ74.2
Tulsa, OK74.2
Vancouver, WA74.2
Virginia Beach, VA74.2
Washington, DC74.2
West Palm Beach, FL74.2
Wichita, KS74.2

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