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

Louisville

Kentucky
74
VS

Irving

Texas
102

Louisville is 27% cheaper than Irving.

$1,069/mo ↓ 30%
Median Rent
$1,517/mo ↑ 42%
$64,731/yr ↓ 19%
Median Income
$79,641/yr ↑ 23%
$221,500 ↓ 23%
Home Value
$287,300 ↑ 30%
$1,118/mo ↓ 26%
Owner Costs
$1,521/mo ↑ 36%
627,210
Population
255,036

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
22.9%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and Irving, TX, the overall cost of living indices are 74 and 102 respectively (national median = 100). Rent is $448/month cheaper in Louisville, saving renters about $5,376/year.

Median household income is $14,910/year higher in Irving. Home values also differ significantly — the median in Louisville is $221,500 compared to $287,300 in Irving.

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

Frequently Asked Questions

Louisville vs Irving — common questions

Is Louisville or Irving cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 102 (US average = 100).
What is the rent difference between Louisville and Irving?
Median rent in Louisville is $1,069/month and in Irving it's $1,517/month — a difference of $448/month.
Which city has higher income, Louisville or Irving?
Median household income is $64,731 in Louisville and $79,641 in Irving. Median household income is $14,910/year higher in Irving.
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 Irving?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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