Side-by-side cost of living comparison for 2026
15% cheaper
Louisville is 15% more affordable than Springfield. A $75,000 salary in Springfield is equivalent to $63,785 in Louisville.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Kentucky salaries · Massachusetts salaries
Housing is typically the biggest factor in any cost-of-living comparison. Louisville has a housing index of 77 while Springfield sits at 106 (national average = 100). The median home in Louisville costs $210,000 compared to $230,000 in Springfield, a difference of $20,000. Monthly rent follows a similar pattern: $1,100 in Louisville versus $1,200 in Springfield.
Groceries and everyday expenses show a notable difference: Louisville scores 96 while Springfield scores 104. Both cities are close to the national average for grocery costs.
Healthcare costs in Louisville (93) are lower than Springfield (114).
Median household income in Louisville is $52,238 compared to $41,612 in Springfield. When adjusted for cost of living, income goes further in Louisville.
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