Louisville, KY

Cost of Living in Louisville, KY (2026): Rent, Utilities & Take-Home

$2,926/mo in Louisville. $2,498 left each month. Prices 8% below the US average.

Compare vs Chicago Rank metros from LouisvilleHow we figure this

Monthly costs

Take-home $5,424/mo.

Taxes$1,925
Rent$1,047
Other living costs$1,879
Left over$2,498

Pay and tax, per year

Gross household pay: $88,181
Federal income tax: −$11,014
Social Security and Medicare: −$6,746
State income tax (KY): −$3,396
City / county wage tax: −$1,940
Take-home pay: $65,085
Effective tax rate: 26.2%

Living costs, per month

Rent, 1br: $1,047
Groceries: $368
Getting around: $545
Healthcare: $414
Utilities and internet: $230
Everything else: $322
Total spending: $2,926

Left over each month

$7,348 gross, minus $1,925 in tax and $2,926 in living costs.

$2,498

Average electric bill in Kentucky

About $118 a month for a household using 900 kWh. That is the EIA residential price for Kentucky in 2025, 13.13¢ per kWh. It is a state average, not a Louisville utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Cost of Living in Louisville, KY (2026): Rent, Utilities & Take-Home

Monthly costs

Pay and tax, per year

Living costs, per month

Average electric bill in Kentucky

Take-home by job in Louisville

Other Kentucky metros

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