City comparison
Louisville, KY vs Rochester, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Rochester, NY are 4.3% higher than in Louisville, KY. Someone earning $100,000 in Louisville, KY would need about $104,300 in Rochester, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,256 a month in Rochester, NY versus $1,047 in Louisville, KY. On $100,000, that's 20% of take-home pay in Rochester, NY and 17% in Louisville, KY.
- On $100,000, estimated state income tax is about $1,477 a year higher in Rochester, NY than in Louisville, KY.
- For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from Louisville, KY to Rochester, NY ($106,437 → $107,182), while prices change by +4.3%. Net effect of the transfer: −3.4% in real buying power.
- Louisville, KY: price level 93.1 (cheaper)
- Rochester, NY: price level 97.0 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Louisville, KY | Rochester, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 93.1 | 97.0 |
| $100,000 is worth, in the other city2 | $104,256 in Rochester | $95,918 in Louisville |
| Typical 1-bedroom rent3 | $1,047/mo | $1,256/mo |
| Take-home on $100,00014,15,8 | $75,798 | $74,320 |
| State income tax on $100,000 (estimate)8 | $3,382 (KY) | $4,860 (NY) |
| Rent burden on $100,000 | 17% | 20% |
| Median pay, all jobs4 | $48,370 | $51,210 |
| Federal locality pay area7 | Rest of U.S. | Rochester-Batavia-Seneca Falls, NY |
Rent areas: Louisville, KY-IN HUD Metro FMR Area and Rochester, NY MSA. Metro areas: Louisville/Jefferson County, KY-IN and Rochester, NY.
What costs more or less
| Price level (U.S. = 100) | Louisville | Rochester |
|---|---|---|
| Housing (rent) | 78.6 | 87.5 |
| Goods | 96.2 | 99.7 |
| Utilities | 75.0 | 133.2 |
| Other services | 96.8 | 97.8 |
| Overall | 93.1 | 97.0 |
Moving with the same $100,000 salary
Louisville, KY → Rochester, NY
Same pay buys less
Buying power −4.1%; rent takes 20% of take-home; state tax +$1,477/yr.
56 Fair offer
Rochester, NY → Louisville, KY
Same pay goes further
Buying power +4.3%; rent takes 17% of take-home; state tax −$1,477/yr.
82 Strong offer
On the GS pay scale?
Louisville, KY is in the Rest of U.S. pay area; Rochester, NY is in Rochester-Batavia-Seneca Falls, NY. The last column shows what a transfer from Louisville, KY to Rochester, NY at the same grade and step does to real buying power.
| Grade5,2 | Louisville, KY | Rochester, NY | Real change, Louisville → Rochester |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,155 | −3.4% |
| GS-11 step 1 | $74,678 | $75,202 | −3.4% |
| GS-12 step 1 | $89,508 | $90,135 | −3.4% |
| GS-13 step 1 | $106,437 | $107,182 | −3.4% |
| GS-14 step 1 | $125,776 | $126,657 | −3.4% |
Pay for common jobs
| Median annual pay4 | Louisville, KY | Rochester, NY | Rochester pay in Louisville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,610 | $62,840 | $60,275 (−2.2%) |
| Software Developers | $110,270 | $122,770 | $117,758 (+6.8%) |
| Accountants and Auditors | $76,320 | $80,890 | $77,588 (+1.7%) |
| Registered Nurses | $84,850 | $86,570 | $83,036 (−2.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.