City comparison
Lincoln, NE vs Louisville, KY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Louisville, KY are 1.6% higher than in Lincoln, NE. Someone earning $100,000 in Lincoln, NE would need about $101,600 in Louisville, KY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,047 a month in Louisville, KY versus $926 in Lincoln, NE. On $100,000, that's 17% of take-home pay in Louisville, KY and 15% in Lincoln, NE.
- On $100,000, estimated state income tax is about $288 a year higher in Lincoln, NE than in Louisville, KY.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Lincoln, NE to Louisville, KY changes real buying power by −1.6%, purely from prices.
- Lincoln, NE: price level 91.6 (much cheaper)
- Louisville, KY: price level 93.1 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Lincoln, NE | Louisville, KY | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.6 | 93.1 |
| $100,000 is worth, in the other city2 | $101,630 in Louisville | $98,396 in Lincoln |
| Typical 1-bedroom rent3 | $926/mo | $1,047/mo |
| Take-home on $100,00014,15,8 | $75,510 | $75,798 |
| State income tax on $100,000 (estimate)8 | $3,670 (NE) | $3,382 (KY) |
| Rent burden on $100,000 | 15% | 17% |
| Median pay, all jobs4 | $49,800 | $48,370 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Lincoln, NE HUD Metro FMR Area and Louisville, KY-IN HUD Metro FMR Area. Metro areas: Lincoln, NE and Louisville/Jefferson County, KY-IN.
What costs more or less
| Price level (U.S. = 100) | Lincoln | Louisville |
|---|---|---|
| Housing (rent) | 84.2 | 78.6 |
| Goods | 94.1 | 96.2 |
| Utilities | 76.8 | 75.0 |
| Other services | 93.0 | 96.8 |
| Overall | 91.6 | 93.1 |
Moving with the same $100,000 salary
Lincoln, NE → Louisville, KY
Roughly even
Buying power −1.6%; rent takes 17% of take-home; state tax −$288/yr.
64 Fair offer
Louisville, KY → Lincoln, NE
Roughly even
Buying power +1.6%; rent takes 15% of take-home; state tax +$288/yr.
74 Strong offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Lincoln, NE to Louisville, KY at the same grade and step does to real buying power.
| Grade5,2 | Lincoln, NE | Louisville, KY | Real change, Lincoln → Louisville |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −1.6% |
| GS-11 step 1 | $74,678 | $74,678 | −1.6% |
| GS-12 step 1 | $89,508 | $89,508 | −1.6% |
| GS-13 step 1 | $106,437 | $106,437 | −1.6% |
| GS-14 step 1 | $125,776 | $125,776 | −1.6% |
Pay for common jobs
| Median annual pay4 | Lincoln, NE | Louisville, KY | Louisville pay in Lincoln dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,940 | $61,610 | $60,622 (−2.1%) |
| Software Developers | $101,690 | $110,270 | $108,501 (+6.7%) |
| Accountants and Auditors | $65,170 | $76,320 | $75,096 (+15.2%) |
| Registered Nurses | $87,530 | $84,850 | $83,489 (−4.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.