Is it cheaper to live in Louisville or Spokane?

Louisville, KY is cheaper. Its monthly baseline of $1,060 (1BR rent + utilities) runs about 1% below Spokane, WA's $1,070, mainly because of rent.

How much more do you need to earn to live in Louisville than in Spokane?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $35,000 a year in Louisville versus $36,000 in Spokane.

Which has lower taxes, Louisville or Spokane?

Louisville is taxed under Kentucky's rules (a top state income tax rate of 3.50% and a 6% state sales tax); Spokane under Washington's (no state income tax and a 6.5% state sales tax).

Louisville vs Spokane Cost of Living 2026

Louisville

Kentucky

$1,060/mo est.

Spokane

Washington

$1,070/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,060 in Louisville, KY versus $1,070 in Spokane, WA. Overall, Louisville, KY is roughly 1% cheaper to live in day-to-day than Spokane, WA, driven mainly by rent.

Median household income is $64,731 in Louisville, KY and $65,745 in Spokane, WA — about 2% higher in Spokane, WA. Kentucky has a top state income tax rate of 3.50% and a 6% state sales tax; Washington has no state income tax and a 6.5% state sales tax.

Louisville, KY

Spokane, WA

Rent

Studio

$786

$884

+12% in Spokane, WA

1 Bedroom

$877

$903

+3% in Spokane, WA

2 Bedroom

$1,096

$1,192

+9% in Spokane, WA

3 Bedroom

$1,299

$1,442

+11% in Spokane, WA

Buying a Home

Median Home Value

$221,500

$326,200

+47% in Spokane, WA

Income

Median Household Income

$64,731

$65,745

+2% in Spokane, WA

Metro Median Wage (annual)

$48,370

$54,660

+13% in Spokane, WA

People & Lifestyle

Median Age

37.7 yr

37.2 yr

+0.5 yr in Louisville, KY

Homeownership

60.6%

58.3%

+2.3 pp in Louisville, KY

Bachelor's+ (25+)

33.4%

32.6%

+0.8 pp in Louisville, KY

Avg Commute

22.7 min

21.2 min

+1.5 min in Louisville, KY

Crime (per 100k/yr)

Violent Crime

763.4

683.6

+10% in Louisville, KY

Property Crime

3,536.6

4,931.8

+39% in Spokane, WA

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

58.2°F

48.9°F

+9.3°F in Louisville, KY

Annual Precipitation

44.9 in

17.8 in

+27.1 in in Louisville, KY

Gas

Regular Gasoline

$3.94/gal

$5.12/gal

+30% in Spokane, WA

Area: Midwest (PADD 2) vs Washington.

Public Transit

Base Fare (one-way)

$1.75

—

Adult base one-way fare — TARC vs — (2026).

Utilities

Electricity (¢/kWh)

15.0

14.9

+0% in Louisville, KY

Natural Gas ($/MCF)

$29.48

$20.41

+31% in Louisville, KY

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.00

$4.82

+20% in Spokane, WA

Bread (lb)

$1.75

$2.04

+17% in Spokane, WA

Eggs (doz)

$2.21

$2.19

+1% in Louisville, KY

Ground Beef (lb)

$6.45

$7.36

+14% in Spokane, WA

Chicken (lb)

$1.90

$2.01

+6% in Spokane, WA

Bananas (lb)

$0.62

$0.70

+14% in Spokane, WA

Average prices — South vs West (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (KY / WA)

6.5%

+0.5 pp in WA

Income Tax (top rate)

3.50%

None

+3.5 pp in KY

Louisville vs Spokane — FAQ

Is it cheaper to live in Louisville or Spokane?: Louisville, KY is cheaper. Its monthly baseline of $1,060 (1BR rent + utilities) runs about 1% below Spokane, WA's $1,070, mainly because of rent.
How much more do you need to earn to live in Louisville than in Spokane?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $35,000 a year in Louisville versus $36,000 in Spokane.
Which has lower taxes, Louisville or Spokane?: Louisville is taxed under Kentucky's rules (a top state income tax rate of 3.50% and a 6% state sales tax); Spokane under Washington's (no state income tax and a 6.5% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).