Compare / Little Rock to Louisville
Little Rock, AR vs Louisville, KY
Simple answer
You'd likely save $155 a month in Little Rock.
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 10.3 points (Little Rock 68.3, Louisville 78.6).
Arkansas taxes wages at rates up to 3.90%. Kentucky taxes wages at a flat 3.50%. Combined sales tax differs by 3.5 percentage points, higher in Arkansas. The effective property tax gap is 0.20 percentage points, higher in Kentucky.
After a move from Arkansas 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 Little Rock lines up with about $78,114 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.
Little Rock
Little Rock-North Little Rock-Conway, AR
- 2-bedroom Fair Market Rent
- $1,121
- HUD area
- Little Rock-North Little Rock-Conway, AR HUD Metro FMR Area
- Census median gross rent
- $1,093
- All-items price parity
- 89.4
- Goods price parity
- 93.6
- Utilities price parity
- 74.6
- Mean commute
- 23.2 min
- Median household income
- $68,344
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.
$78,114
Salary in Louisville that matches the 2024 all-items regional price parity.
$79,456
Gross salary in Louisville whose after-tax pay buys the same basket, using price parities.
$85,370
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 | Arkansas | Kentucky |
|---|---|---|
| State income tax on wages | up to 3.90% | 3.50% flat |
| Combined sales tax, Jan 1, 2026 | 9.5% | 6.0% |
| Effective property tax, ACS 2024 median / median | 0.52% | 0.71% |
On a $400,000 home, the state median effective rate implies about $2,065 a year in Arkansas 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 Arkansas and once in Kentucky. This is an illustration, not your application.
Food stamps (SNAP)
Little RockLikely eligible
LouisvilleLikely eligible
Medicaid and CHIP
Little RockLikely eligible
LouisvilleLikely eligible
WIC
Little RockLikely eligible
LouisvilleLikely eligible
School meals
Little RockLikely eligible
LouisvilleLikely eligible
LIHEAP
Little RockMaybe
LouisvilleMaybe
Earned Income Tax Credit
Little RockLikely eligible
LouisvilleLikely eligible
Child Tax Credit
Little RockLikely eligible
LouisvilleLikely eligible
Marketplace premium tax credits
Little RockUnlikely
LouisvilleUnlikely
Lifeline phone and internet
Little RockLikely eligible
LouisvilleLikely eligible
SSI
Little RockUnlikely
LouisvilleUnlikely
| Program | Little Rock | 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 Little Rock
The eight largest 2-bedroom Fair Market Rent gaps from Little Rock.
- Little Rock and San Francisco · rent gap $2,576
- Little Rock and San Jose · rent gap $2,151
- Little Rock and Boston · rent gap $1,887
- Little Rock and New York · rent gap $1,850
- Little Rock and Los Angeles · rent gap $1,843
- Little Rock and San Diego · rent gap $1,702
- Little Rock and Miami · rent gap $1,443
- Little Rock and Seattle · rent gap $1,428
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.