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

Louisville

Kentucky
74
VS

Lubbock

Texas
75

Louisville and Lubbock have a similar cost of living.

$1,069/mo ↓ 6%
Median Rent
$1,137/mo ↑ 6%
$64,731/yr ↑ 7%
Median Income
$60,487/yr ↓ 7%
$221,500 ↑ 12%
Home Value
$197,900 ↓ 11%
$1,118/mo ↓ 5%
Owner Costs
$1,179/mo ↑ 5%
627,210
Population
261,078

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
22.6%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and Lubbock, TX, the overall cost of living indices are 74 and 75 respectively (national median = 100). Rent is $68/month cheaper in Louisville, saving renters about $816/year.

Median household income is $4,244/year higher in Louisville. Home values also differ significantly — the median in Louisville is $221,500 compared to $197,900 in Lubbock.

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

Frequently Asked Questions

Louisville vs Lubbock — common questions

Is Louisville or Lubbock cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 75 (US average = 100).
What is the rent difference between Louisville and Lubbock?
Median rent in Louisville is $1,069/month and in Lubbock it's $1,137/month — a difference of $68/month.
Which city has higher income, Louisville or Lubbock?
Median household income is $64,731 in Louisville and $60,487 in Lubbock. Median household income is $4,244/year higher in Louisville.
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 Lubbock?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while Lubbock has a cost index of 75 with rent of $1,137/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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