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

Louisville

Kentucky
74
VS

Miami Gardens

Florida
115

Louisville is 36% cheaper than Miami Gardens.

$1,069/mo ↓ 37%
Median Rent
$1,709/mo ↑ 60%
$64,731/yr ↑ 6%
Median Income
$60,979/yr ↓ 6%
$221,500 ↓ 34%
Home Value
$337,200 ↑ 52%
$1,118/mo ↓ 32%
Owner Costs
$1,640/mo ↑ 47%
627,210
Population
111,264

Tax Comparison

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

Affordability

19.8%
rent-to-income
Affordability
33.6%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and Miami Gardens, FL, the overall cost of living indices are 74 and 115 respectively (national median = 100). Rent is $640/month cheaper in Louisville, saving renters about $7,680/year.

Median household income is $3,752/year higher in Louisville. Home values also differ significantly — the median in Louisville is $221,500 compared to $337,200 in Miami Gardens.

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

Frequently Asked Questions

Louisville vs Miami Gardens — common questions

Is Louisville or Miami Gardens cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 115 (US average = 100).
What is the rent difference between Louisville and Miami Gardens?
Median rent in Louisville is $1,069/month and in Miami Gardens it's $1,709/month — a difference of $640/month.
Which city has higher income, Louisville or Miami Gardens?
Median household income is $64,731 in Louisville and $60,979 in Miami Gardens. Median household income is $3,752/year higher in Louisville.
How do taxes compare between Kentucky and Florida?
Kentucky has 4.0% income tax, 6.0% sales tax, and 0.83% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Louisville or Miami Gardens?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while Miami Gardens has a cost index of 115 with rent of $1,709/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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