Compare / Kiryas Joel to Louisville
Kiryas Joel, NY vs Louisville, KY
Simple answer
You'd likely save $855 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 Fair Market Rent. The 2-bedroom Fair Market Rent gap is $855: Kiryas Joel is higher at $2,131 versus $1,276.
New York taxes wages at rates up to 10.90%. Kentucky taxes wages at a flat 3.50%. Combined sales tax differs by 2.5 percentage points, higher in New York. The effective property tax gap is 0.74 percentage points, higher in New York.
After a move from New York 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 Kiryas Joel lines up with about $63,795 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.
Kiryas Joel
Kiryas Joel-Poughkeepsie-Newburgh, NY
- 2-bedroom Fair Market Rent
- $2,131
- HUD area
- Kiryas Joel-Poughkeepsie-Newburgh, NY MSA
- Census median gross rent
- $1,688
- All-items price parity
- 109.4
- Goods price parity
- 110.3
- Utilities price parity
- 136.8
- Mean commute
- 33.9 min
- Median household income
- $95,125
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.
$63,795
Salary in Louisville that matches the 2024 all-items regional price parity.
$60,768
Gross salary in Louisville whose after-tax pay buys the same basket, using price parities.
$44,908
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 | New York | Kentucky |
|---|---|---|
| State income tax on wages | up to 10.90% | 3.50% flat |
| Combined sales tax, Jan 1, 2026 | 8.5% | 6.0% |
| Effective property tax, ACS 2024 median / median | 1.45% | 0.71% |
On a $400,000 home, the state median effective rate implies about $5,818 a year in New York 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 New York and once in Kentucky. This is an illustration, not your application.
Food stamps (SNAP)
Kiryas JoelLikely eligible
LouisvilleLikely eligible
Medicaid and CHIP
Kiryas JoelLikely eligible
LouisvilleLikely eligible
WIC
Kiryas JoelLikely eligible
LouisvilleLikely eligible
School meals
Kiryas JoelLikely eligible
LouisvilleLikely eligible
LIHEAP
Kiryas JoelMaybe
LouisvilleMaybe
Earned Income Tax Credit
Kiryas JoelLikely eligible
LouisvilleLikely eligible
Child Tax Credit
Kiryas JoelLikely eligible
LouisvilleLikely eligible
Marketplace premium tax credits
Kiryas JoelUnlikely
LouisvilleUnlikely
Lifeline phone and internet
Kiryas JoelLikely eligible
LouisvilleLikely eligible
SSI
Kiryas JoelUnlikely
LouisvilleUnlikely
| Program | Kiryas Joel | 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 Kiryas Joel
The eight largest 2-bedroom Fair Market Rent gaps from Kiryas Joel.
- Kiryas Joel and San Francisco · rent gap $1,566
- Kiryas Joel and San Jose · rent gap $1,141
- Kiryas Joel and McAllen · rent gap $1,114
- Kiryas Joel and Wichita · rent gap $1,088
- Kiryas Joel and Little Rock · rent gap $1,010
- Kiryas Joel and Toledo · rent gap $986
- Kiryas Joel and El Paso · rent gap $985
- Kiryas Joel and Baton Rouge · rent gap $982
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.