Compare / Austin to Louisville
Austin, TX vs Louisville, KY
Simple answer
You'd likely save $541 a month in Louisville.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Census rent. Census median gross rent differs by $644, with Austin higher.
Texas has no tax on wages. Kentucky taxes wages at a flat 3.50%. Combined sales tax differs by 2.2 percentage points, higher in Texas. The effective property tax gap is 0.60 percentage points, higher in Texas.
After a move from Texas to Kentucky, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in Austin lines up with about $71,182 in Louisville on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Austin
Austin-Round Rock-San Marcos, TX
- 2-bedroom Fair Market Rent
- $1,817
- HUD area
- Austin-Round Rock-San Marcos, TX MSA
- Census median gross rent
- $1,784
- All-items price parity
- 98.1
- Goods price parity
- 93.8
- Utilities price parity
- 82.0
- Mean commute
- 28.2 min
- Median household income
- $99,897
Louisville
Louisville/Jefferson County, KY-IN
- 2-bedroom Fair Market Rent
- $1,276
- HUD area
- Louisville, KY-IN HUD Metro FMR Area
- Census median gross rent
- $1,140
- All-items price parity
- 93.1
- Goods price parity
- 96.2
- Utilities price parity
- 75.0
- Mean commute
- 25.1 min
- Median household income
- $74,305
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$71,182
Salary in Louisville that matches the 2024 all-items regional price parity.
$75,106
Gross salary in Louisville whose after-tax pay buys the same basket, using price parities.
$52,669
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Texas | Kentucky |
|---|---|---|
| State income tax on wages | No wage tax | 3.50% flat |
| Combined sales tax, Jan 1, 2026 | 8.2% | 6.0% |
| Effective property tax, ACS 2024 median / median | 1.31% | 0.71% |
On a $400,000 home, the state median effective rate implies about $5,246 a year in Texas and $2,851 in Kentucky. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Kentucky
Same household, $40,000 a year, scored once in Texas and once in Kentucky. This is an illustration, not your application.
Food stamps (SNAP)
AustinLikely eligible
LouisvilleLikely eligible
Medicaid and CHIP
AustinLikely eligible
LouisvilleLikely eligible
WIC
AustinLikely eligible
LouisvilleLikely eligible
School meals
AustinLikely eligible
LouisvilleLikely eligible
LIHEAP
AustinMaybe
LouisvilleMaybe
Earned Income Tax Credit
AustinLikely eligible
LouisvilleLikely eligible
Child Tax Credit
AustinLikely eligible
LouisvilleLikely eligible
Marketplace premium tax credits
AustinLikely eligible
LouisvilleUnlikely
Lifeline phone and internet
AustinLikely eligible
LouisvilleLikely eligible
SSI
AustinUnlikely
LouisvilleUnlikely
| Program | Austin | Louisville |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Likely eligible | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Austin the result is “Likely inside the 2026 subsidy range.” In Louisville it is “Unlikely — Medicaid is the closer program.” Kentucky expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Austin
The eight largest 2-bedroom Fair Market Rent gaps from Austin.
- Austin and San Francisco · rent gap $1,880
- Austin and San Jose · rent gap $1,455
- Austin and Boston · rent gap $1,191
- Austin and New York · rent gap $1,154
- Austin and Los Angeles · rent gap $1,147
- Austin and San Diego · rent gap $1,006
- Austin and McAllen · rent gap $800
- Austin and Wichita · rent gap $774
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.