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

Louisville

Kentucky
74
VS

McKinney

Texas
138

Louisville is 46% cheaper than McKinney.

$1,069/mo ↓ 42%
Median Rent
$1,841/mo ↑ 72%
$64,731/yr ↓ 46%
Median Income
$120,273/yr ↑ 86%
$221,500 ↓ 50%
Home Value
$439,500 ↑ 98%
$1,118/mo ↓ 47%
Owner Costs
$2,101/mo ↑ 88%
627,210
Population
202,314

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
18.4%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and McKinney, TX, the overall cost of living indices are 74 and 138 respectively (national median = 100). Rent is $772/month cheaper in Louisville, saving renters about $9,264/year.

Median household income is $55,542/year higher in McKinney. Home values also differ significantly — the median in Louisville is $221,500 compared to $439,500 in McKinney.

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

Frequently Asked Questions

Louisville vs McKinney — common questions

Is Louisville or McKinney cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 138 (US average = 100).
What is the rent difference between Louisville and McKinney?
Median rent in Louisville is $1,069/month and in McKinney it's $1,841/month — a difference of $772/month.
Which city has higher income, Louisville or McKinney?
Median household income is $64,731 in Louisville and $120,273 in McKinney. Median household income is $55,542/year higher in McKinney.
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 McKinney?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while McKinney has a cost index of 138 with rent of $1,841/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Louisville details → View McKinney details →

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