Louisville vs Medford
Cost of Living Comparison · 2026
Louisville
Medford
The Verdict
Louisville is 14.2% less expensive than Medford overall. A household earning $75,000 in Louisville would need approximately $87,363 in Medford to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Louisville has the same purchasing power as $87,363 in Medford.
Conversely, $75,000 in Medford equals $64,387 in Louisville.
Living in Louisville vs Medford
Housing Costs
Louisville's housing index of 77 is lower Medford's 139, translating to median home prices of $210,000 vs $406,000. The $196,000 difference in home prices means roughly $12,744 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Louisville compared to $1,375/mo in Medford, a monthly difference of $275.
Grocery & Food Costs
Grocery expenses index at 96 in Louisville and 108 in Medford. A household spending the national average of $475/month on groceries would pay approximately $456/month in Louisville vs $513/month in Medford. Louisville offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 91 in Louisville and 97 in Medford. Monthly utility bills average approximately $364 in Louisville vs $388 in Medford. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 93 in Louisville and 100 in Medford. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $52,238 in Louisville and $73,200 in Medford. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,404 and $69,057 respectively. Medford residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,219/month to housing in Louisville vs $1,708/month in Medford. In Louisville, median rent of $1,100/mo fits within this budget. In Medford, median rent of $1,375/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 62 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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