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Louisville, KY vs Cincinnati, OH: Cost of Living

Compare the cost of living between Louisville, KY and Cincinnati, OH. See the equivalent salary and median rent powered by BLS Regional Price Parities.

Source-verified · June 2026BEA Regional Price Parities by MSA, 2022 (Table 4); HUD FY2024 Fair Market Rents (2-BR) Official source ↗
Source-verified · June 2026BEA Regional Price Parities by MSA, 2022 (Table 4); HUD FY2024 Fair Market Rents (2-BR) Official source ↗

Louisville, KY

KY

Overall RPP (US=100)
92.3
Housing RPP
77
Goods RPP
94
2-BR median rent
$1,301/mo

Kentucky flat income tax 4.5%. Louisville occupational tax 2.2%.

Cincinnati, OH

OH

Overall RPP (US=100)
93.5
Housing RPP
83.7
Goods RPP
92.4
2-BR median rent
$1,195/mo

Ohio income tax 0%-3.75%. Cincinnati city income tax 1.8%.

Equivalent salary

Cincinnati, OH is more expensive than Louisville, KY by about 1.3% (RPP 92.3 to 93.5).

$60,000 in Louisville, KY

-> $60,780

in Cincinnati, OH

$100,000 in Louisville, KY

-> $101,300

in Cincinnati, OH

$150,000 in Louisville, KY

-> $151,950

in Cincinnati, OH

This tool provides estimates only. Equivalent-salary figures are derived from BLS Regional Price Parities (RPP) and HUD Fair Market Rents — they are averages, not guarantees. Actual cost of living varies by neighborhood, lifestyle, and individual circumstances. Not financial advice.

Migration signal: Louisville, KY vs Cincinnati, OH

IRS tax-return migration · 2021-2022

Louisville, KY

Net people
+655
Net rank
#26 of 65
Top origin share
3%
Top destination share
3%

Largest source: Hardin County, KY. Largest destination: Hardin County, KY.

Cincinnati, OH

Net people
−104
Net rank
#33 of 65
Top origin share
4%
Top destination share
4%

Largest source: Montgomery County, OH. Largest destination: Montgomery County, OH.

Rent delta: Cincinnati, OH is $106/mo lower for HUD FY2024 2-BR FMR than Louisville, KY. Housing RPP moves from 77 to 83.7.

Migration figures are derived from IRS SOI county-to-county migration data for 2021-2022, mapped to metros via Census CBSA delineation. Small county-to-county flows are IRS-suppressed, so per-metro totals are lower bounds. Source: IRS SOI migration data.

Frequently asked questions

Is Cincinnati, OH cheaper or more expensive than Louisville, KY?
Cincinnati, OH (RPP 93.5) is more expensive than Louisville, KY (RPP 92.3) by about 1.3%.
What salary do I need in Cincinnati, OH if I earn $100,000 in Louisville, KY?
You would need approximately $101,300 in Cincinnati, OH to maintain the same purchasing power as $100,000 in Louisville, KY. Formula: $100,000 x (93.5 / 92.3).
Which metro had stronger net migration, Louisville, KY or Cincinnati, OH?
For 2021-2022, Louisville, KY had a net gain of 655 people, while Cincinnati, OH had a net loss of 104 people. IRS small-flow suppression means these are lower-bound research signals, not complete population-change totals.

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