Cincinnati, OH vs Louisville/Jefferson County, KY
Moving from Cincinnati to Louisville/Jefferson County? Here's what changes — from your equivalent salary to housing ($311,270 → $350,000 median home) and taxes.
Cincinnati vs Louisville/Jefferson County at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Cincinnati, OH, you'd need about $98,905 in Louisville/Jefferson County, KY (−$1,095).
Livability — Cincinnati, OH: 70 · Louisville/Jefferson County, KY: 72 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 2,500 sqft in Louisville/Jefferson County ($189 vs $200 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Louisville/Jefferson County, KY | Difference |
|---|---|---|---|
| Housing | $18,900 | $18,000 | −$900 |
| Groceries | $4,718 | $4,716 | −$2 |
| Transportation | $3,025 | $3,870 | +$845 |
| Utilities | $2,100 | $1,620 | −$480 |
| Insurance | $1,300 | $2,200 | +$900 |
| Taxes | $8,820 | $7,922 | −$898 |
| Total | $38,863 | $38,328 | −$535 |
Side by side
| Metric | Cincinnati, OH | Louisville/Jefferson County, KY |
|---|---|---|
| Cost-of-living index | 94.2 | 93.2 |
| Unemployment rate | 4.37% | 4.66% |
| Population growth (5-yr) | 4.5% | 0.3% |
| Air quality (median AQI) | 54 | 51 |
| Big Mac price (est.) | $5.36 | $5.30 |
| Median home price | $311,270 | $350,000 |
| Home price ÷ income | 4.1× | 5.0× |
| 1-yr home appreciation | 2.5% | 3.0% |
| Price per square foot | $189 | $200 |
| Median rent | $1,575 | $1,500 |
| Total tax burden (% income) | 10.0% | 9.6% |
| Combined sales tax | 7.24% | 6.00% |
| Capital gains tax | 3.50% | 4.00% |
| Property tax rate | 1.26% | 0.82% |
| Healthcare (annual) | $6,400 | $6,300 |
| Childcare (annual, infant) | $10,000 | $9,000 |
| Vehicle property tax | None | 1.44% |
| Avg commute (min) | 25 | 24 |
| Home insurance / yr | $1,300 | $2,200 |
| Auto insurance / yr | $1,300 | $2,200 |
| Flood insurance / yr | $600 | $700 |
| Earthquake insurance / yr | $100 | $250 |
| Electricity ¢/kWh | 19.5 | 15.0 |
| Gas $/gal | 3.25 | 3.10 |
| Violent crime /100k | 300 | 260 |
| Avg summer high °F | 85 | 88 |
| Avg winter low °F | 20 | 26 |
| Permit difficulty (1–5) | 2 | 2 |