Side-by-side cost of living comparison for 2026
44% cheaper
Louisville is 44% more affordable than Jersey City. A $75,000 salary in Jersey City is equivalent to $42,130 in Louisville.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: New Jersey salaries · Kentucky salaries
Housing is typically the biggest factor in any cost-of-living comparison. Jersey City has a housing index of 249 while Louisville sits at 77 (national average = 100). The median home in Jersey City costs $540,000 compared to $210,000 in Louisville, a difference of $330,000. Monthly rent follows a similar pattern: $2,600 in Jersey City versus $1,100 in Louisville.
Groceries and everyday expenses show a notable difference: Jersey City scores 105 while Louisville scores 96. Both cities are close to the national average for grocery costs.
Healthcare costs in Jersey City (106) are higher than Louisville (93). Both are close to the national average.
Median household income in Jersey City is $80,820 compared to $52,238 in Louisville. When adjusted for cost of living, income goes further in Louisville.
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