Cost of Living: Jacksonville, FL vs Louisville, KY (2026)

Jacksonville

Florida
92
VS

Louisville

Kentucky
74

Jacksonville is 24% more expensive than Louisville.

$1,375/mo ↑ 29%
Median Rent
$1,069/mo ↓ 22%
$66,981/yr ↑ 3%
Median Income
$64,731/yr ↓ 3%
$266,100 ↑ 20%
Home Value
$221,500 ↓ 17%
$1,324/mo ↑ 18%
Owner Costs
$1,118/mo ↓ 16%
961,739
Population
627,210

Tax Comparison

0%
Income Tax
4.0%
6.0%
State Sales Tax
6.0%
0.86%
Property Tax
0.83%

Affordability

24.6%
rent-to-income
Affordability
19.8%
rent-to-income

Detailed Comparison

When comparing Jacksonville, FL and Louisville, KY, the overall cost of living indices are 92 and 74 respectively (national median = 100). Rent is $306/month cheaper in Louisville, saving renters about $3,672/year.

Median household income is $2,250/year higher in Jacksonville. Home values also differ significantly — the median in Jacksonville is $266,100 compared to $221,500 in Louisville.

Florida has no state income tax, giving Jacksonville residents a significant tax advantage over Kentucky's 4.0% rate.

Frequently Asked Questions

Jacksonville vs Louisville — common questions

Is Jacksonville or Louisville cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 92 (US average = 100).
What is the rent difference between Jacksonville and Louisville?
Median rent in Jacksonville is $1,375/month and in Louisville it's $1,069/month — a difference of $306/month.
Which city has higher income, Jacksonville or Louisville?
Median household income is $66,981 in Jacksonville and $64,731 in Louisville. Median household income is $2,250/year higher in Jacksonville.
How do taxes compare between Florida and Kentucky?
Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax. Kentucky has 4.0% income tax, 6.0% sales tax, and 0.83% property tax.
Should I move to Jacksonville or Louisville?
It depends on your priorities. Jacksonville has a cost index of 92 with median rent of $1,375/mo, while Louisville has a cost index of 74 with rent of $1,069/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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