Cost of Living: Louisville, KY vs Garland, TX (2026)

Louisville

Kentucky
74
VS

Garland

Texas
96

Louisville is 23% cheaper than Garland.

$1,069/mo ↓ 30%
Median Rent
$1,525/mo ↑ 43%
$64,731/yr ↓ 13%
Median Income
$74,717/yr ↑ 15%
$221,500 ↓ 11%
Home Value
$248,900 ↑ 12%
$1,118/mo ↓ 23%
Owner Costs
$1,445/mo ↑ 29%
627,210
Population
245,298

Tax Comparison

4.0%
Income Tax
0%
6.0%
State Sales Tax
6.25%
0.83%
Property Tax
1.6%

Affordability

19.8%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and Garland, TX, the overall cost of living indices are 74 and 96 respectively (national median = 100). Rent is $456/month cheaper in Louisville, saving renters about $5,472/year.

Median household income is $9,986/year higher in Garland. Home values also differ significantly — the median in Louisville is $221,500 compared to $248,900 in Garland.

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

Frequently Asked Questions

Louisville vs Garland — common questions

Is Louisville or Garland cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 96 (US average = 100).
What is the rent difference between Louisville and Garland?
Median rent in Louisville is $1,069/month and in Garland it's $1,525/month — a difference of $456/month.
Which city has higher income, Louisville or Garland?
Median household income is $64,731 in Louisville and $74,717 in Garland. Median household income is $9,986/year higher in Garland.
How do taxes compare between Kentucky and Texas?
Kentucky has 4.0% income tax, 6.0% sales tax, and 0.83% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Louisville or Garland?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Louisville details → View Garland details →

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