Cost of Living: Louisville, KY vs St. Paul, MN (2026)

Louisville

Kentucky
74
VS

St. Paul

Minnesota
91

Louisville is 19% cheaper than St. Paul.

$1,069/mo ↓ 14%
Median Rent
$1,248/mo ↑ 17%
$64,731/yr ↓ 11%
Median Income
$73,055/yr ↑ 13%
$221,500 ↓ 21%
Home Value
$280,300 ↑ 27%
$1,118/mo ↓ 20%
Owner Costs
$1,390/mo ↑ 24%
627,210
Population
307,762

Tax Comparison

4.0%
Income Tax
9.85%
6.0%
State Sales Tax
6.875%
0.83%
Property Tax
1.11%

Affordability

19.8%
rent-to-income
Affordability
20.5%
rent-to-income

Detailed Comparison

When comparing Louisville, KY and St. Paul, MN, the overall cost of living indices are 74 and 91 respectively (national median = 100). Rent is $179/month cheaper in Louisville, saving renters about $2,148/year.

Median household income is $8,324/year higher in St. Paul. Home values also differ significantly — the median in Louisville is $221,500 compared to $280,300 in St. Paul.

Kentucky has a lower income tax rate, making Louisville slightly more tax-friendly.

Frequently Asked Questions

Louisville vs St. Paul — common questions

Is Louisville or St. Paul cheaper to live in?
Based on our cost index, Louisville is cheaper to live in with an index of 74 compared to 91 (US average = 100).
What is the rent difference between Louisville and St. Paul?
Median rent in Louisville is $1,069/month and in St. Paul it's $1,248/month — a difference of $179/month.
Which city has higher income, Louisville or St. Paul?
Median household income is $64,731 in Louisville and $73,055 in St. Paul. Median household income is $8,324/year higher in St. Paul.
How do taxes compare between Kentucky and Minnesota?
Kentucky has 4.0% income tax, 6.0% sales tax, and 0.83% property tax. Minnesota has 9.85% income tax, 6.875% sales tax, and 1.11% property tax.
Should I move to Louisville or St. Paul?
It depends on your priorities. Louisville has a cost index of 74 with median rent of $1,069/mo, while St. Paul has a cost index of 91 with rent of $1,248/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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