Louisville wins overall by ~14% (COL index)
Cost of living: Phoenix vs Louisville (2026)
A $61,000 salary in Phoenix buys roughly what $53,680 does in Louisville (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$2,694/yr
Favoring Louisville for this income & household (illustrative).
With the extra $225/mo, you could pay down a $15,000 card balance in ~67 months and still keep ~$27/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Phoenix Arizona | Louisville Kentucky | Who wins | Your impact at $61K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200 | $1,050Wins | Louisville wins −$150/mo | $1,800/yr saves in Louisville |
| 1BR rent/mo | $1,500 | $1,300Wins | Louisville wins −$200/mo | $2,400/yr saves in Louisville |
| 2BR rent/mo | $1,900 | $1,700Better | Louisville wins −$200/mo | $2,400/yr saves in Louisville |
| Median home price | $380K | $250KWins | Louisville wins −$130K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 97 | 95Better | Louisville wins -2 | — |
| Budget meal (1 person) | $13 | $12Better | Louisville wins −$1/mo | — |
| Mid-range dinner (2) | $55 | $50Better | Louisville wins −$5/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $64 | $60Better | Louisville wins −$4/mo | — |
| Gas price/gal | $3.20 | $3.05Better | Louisville wins −$0.15 | — |
| Car insurance/mo | $160 | $148Better | Louisville wins −$12/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $210 | $162Wins | Louisville wins −$48/mo | $576/yr saves in Louisville |
| Internet/mo | $60Better | $60 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $65KWins | $57K | Phoenix wins −$8K more/yr | — |
| State income tax% | 2.5%Wins | 4.0% | Phoenix wins +1.5 pp | $915/yr saves in Phoenix |
| Sales tax (combined)% | 8.6% | 6.0%Wins | Louisville wins -2.6 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00 | $14.00Better | Louisville wins −$1.00 | — |
| Gym membership/mo | $35Better | $35 | — | — |
| Beer at restaurant | $6.00 | $5.50Better | Louisville wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 100 | 88Wins | Louisville wins -12 | — |
| Walk score / 100 | 41Wins | 34 | Phoenix wins -7 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$924/yr tax difference into cash back
Louisville fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Louisville.
High-yield savings
Park ~$2,400/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Phoenix cheaper than Louisville?
No. Louisville is 14% cheaper than Phoenix based on overall cost of living indices (88 vs 100, where 100 = US average).
What is the average rent in Phoenix vs Louisville?
As of Q1 2026, the median 1-bedroom rent in Phoenix is $1,500/month and in Louisville is $1,300/month. Phoenix is more expensive by 15%.
How much do I need to earn in Louisville to match a $75,000 salary in Phoenix?
To maintain a similar lifestyle, you would need approximately $66,000/year in Louisville to match a $75,000 salary in Phoenix. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Phoenix or Louisville?
Phoenix has the lower state income tax rate at 2.5% vs 4%. The difference is 1.5 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Phoenix to Louisville?
It depends on your priorities. Louisville offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
More move scenarios
Planning a move?
Salary equivalent: Phoenix ↔ Louisville
How much would you need to earn in Louisville to match your Phoenix purchasing power?