St. Louis, MO vs Louisville/Jefferson County, KY
Moving from St. Louis to Louisville/Jefferson County? Here's what changes — from your equivalent salary to housing ($276,878 → $350,000 median home) and taxes.
St. Louis 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 St. Louis, MO, you'd need about $98,125 in Louisville/Jefferson County, KY (−$1,875).
Livability — St. Louis, MO: 65 · Louisville/Jefferson County, KY: 72 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,161 sqft in St. Louis vs 2,500 sqft in Louisville/Jefferson County ($158 vs $200 per sqft).
Annual cost breakdown (at $100,000)
| Category | St. Louis, MO | Louisville/Jefferson County, KY | Difference |
|---|---|---|---|
| Housing | $17,412 | $18,000 | +$588 |
| Groceries | $4,934 | $4,716 | −$219 |
| Transportation | $3,390 | $3,870 | +$480 |
| Utilities | $1,512 | $1,620 | +$108 |
| Insurance | $2,400 | $2,200 | −$200 |
| Taxes | $10,488 | $7,922 | −$2,566 |
| Total | $40,136 | $38,328 | −$1,809 |
Side by side
| Metric | St. Louis, MO | Louisville/Jefferson County, KY |
|---|---|---|
| Cost-of-living index | 95.0 | 93.2 |
| Unemployment rate | 4.35% | 4.66% |
| Population growth (5-yr) | 0.3% | 0.3% |
| Air quality (median AQI) | 55 | 51 |
| Big Mac price (est.) | $5.40 | $5.30 |
| Median home price | $276,878 | $350,000 |
| Home price ÷ income | 3.7× | 5.0× |
| 1-yr home appreciation | 2.9% | 3.0% |
| Price per square foot | $158 | $200 |
| Median rent | $1,451 | $1,500 |
| Total tax burden (% income) | 9.3% | 9.6% |
| Combined sales tax | 8.38% | 6.00% |
| Capital gains tax | 4.80% | 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 | 2.55% | 1.44% |
| Avg commute (min) | 25 | 24 |
| Home insurance / yr | $2,400 | $2,200 |
| Auto insurance / yr | $1,800 | $2,200 |
| Flood insurance / yr | $750 | $700 |
| Earthquake insurance / yr | $400 | $250 |
| Electricity ¢/kWh | 14.0 | 15.0 |
| Gas $/gal | 3.00 | 3.10 |
| Violent crime /100k | 490 | 260 |
| Avg summer high °F | 89 | 88 |
| Avg winter low °F | 22 | 26 |
| Permit difficulty (1–5) | 2 | 2 |