Compare / Dayton to Louisville
Dayton, OH vs Louisville, KY
Simple answer
You'd likely save $28 a month in Dayton.
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 housing prices. The BEA housing price parity differs by 5.8 points (Dayton 72.7, Louisville 78.6).
Ohio taxes wages at a flat 2.75%. Kentucky taxes wages at a flat 3.50%. Combined sales tax differs by 1.3 percentage points, higher in Ohio. The effective property tax gap is 0.51 percentage points, higher in Ohio.
After a move from Ohio to Kentucky, those two example households keep the same benefit status labels. A different income can still split Medicaid and marketplace credits.
A $75,000 salary in Dayton lines up with about $75,307 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.
Dayton
Dayton-Kettering-Beavercreek, OH
- 2-bedroom Fair Market Rent
- $1,248
- HUD area
- Dayton-Kettering-Beavercreek, OH MSA
- Census median gross rent
- $1,119
- All-items price parity
- 92.7
- Goods price parity
- 93.6
- Utilities price parity
- 95.4
- Mean commute
- 22.3 min
- Median household income
- $72,711
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.
$75,307
Salary in Louisville that matches the 2024 all-items regional price parity.
$76,924
Gross salary in Louisville whose after-tax pay buys the same basket, using price parities.
$76,683
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 | Ohio | Kentucky |
|---|---|---|
| State income tax on wages | 2.75% flat | 3.50% flat |
| Combined sales tax, Jan 1, 2026 | 7.3% | 6.0% |
| Effective property tax, ACS 2024 median / median | 1.22% | 0.71% |
On a $400,000 home, the state median effective rate implies about $4,899 a year in Ohio 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 Ohio and once in Kentucky. This is an illustration, not your application.
Food stamps (SNAP)
DaytonLikely eligible
LouisvilleLikely eligible
Medicaid and CHIP
DaytonLikely eligible
LouisvilleLikely eligible
WIC
DaytonLikely eligible
LouisvilleLikely eligible
School meals
DaytonLikely eligible
LouisvilleLikely eligible
LIHEAP
DaytonMaybe
LouisvilleMaybe
Earned Income Tax Credit
DaytonLikely eligible
LouisvilleLikely eligible
Child Tax Credit
DaytonLikely eligible
LouisvilleLikely eligible
Marketplace premium tax credits
DaytonUnlikely
LouisvilleUnlikely
Lifeline phone and internet
DaytonLikely eligible
LouisvilleLikely eligible
SSI
DaytonUnlikely
LouisvilleUnlikely
| Program | Dayton | 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 | Unlikely | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.
Related comparisons
From Dayton
The eight largest 2-bedroom Fair Market Rent gaps from Dayton.
- Dayton and San Francisco · rent gap $2,449
- Dayton and San Jose · rent gap $2,024
- Dayton and Boston · rent gap $1,760
- Dayton and New York · rent gap $1,723
- Dayton and Los Angeles · rent gap $1,716
- Dayton and San Diego · rent gap $1,575
- Dayton and Miami · rent gap $1,316
- Dayton and Seattle · rent gap $1,301
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.