Owensboro vs Louisville leftover
You'd keep $114 more a month in Louisville
$2,484/mo leftover in Louisville vs $2,370 in Owensboro after tax and rent ($114 more). +$1,368 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Owensboro leftover
$2,370
a month after tax and rent
Louisville leftover
$2,484
+$114 vs Owensboro
Compare Owensboro to another metro
Same paycheck. Try a different city next to Owensboro.
Monthly gap
Owensboro → Louisville
$114
more / month in Louisville
$2,484 in Louisville · $2,370 in Owensboro · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 100 households moved Owensboro → Louisville (avg AGI $54,350). 69 went the other way. The whole move →
+$114 / mo
| Per month | Owensboro | Louisville | Difference |
|---|---|---|---|
| Gross pay | $7,000 | $7,327 | +$327 |
| Income and payroll tax | $1,751 | $1,917 | +$166 |
| Take-home pay | $5,249 | $5,410 | +$161 |
| Rent | $917 | $1,047 | +$130 |
| Getting around | $593 | $545 | −$48 |
| Groceries | $378 | $368 | −$10 |
| Healthcare | $425 | $414 | −$11 |
| Utilities | $236 | $230 | −$6 |
| Everything else | $330 | $322 | −$8 |
| Left over | $2,370 | $2,484 | +$114 |
To break even in Louisville, you'd need to earn
$86,000
Household gross, versus $84,000 today. That's the salary that leaves you exactly as much at the end of the month as Owensboro does now.
The tax difference alone
−$832
A year, in state and local income tax. Effective rates: 25.0% in Owensboro, 26.2% in Louisville.
More about Louisville
Owensboro, KY in full
A flat 4% state income tax, a median 2-bedroom estimated asking rent of $1,092 and 208 sunny days; commutes average 21 minutes.
Louisville, KY in full
Cheap, central, and warmer than the rest of the Midwest.
The reverse move
Same two cities, but starting from Louisville on Louisville wages.
Louisville → Owensboro →Questions
Is the cost of living lower in Louisville than Owensboro?
A one-bedroom is about $917 in Owensboro versus $1,047 in Louisville. On a one-adult, one-bedroom household, leftover is about $114 a month higher in Louisville. Change the job or household on the comparison to see your number.
Does Louisville have state income tax?
Louisville is in Kentucky, which taxes wage income, plus a local wage tax of 2.20%.
What changes if you move from Owensboro to Louisville?
Take-home pay is recalculated under Kentucky tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Owensboro and Louisville moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.