City comparison
Louisville, KY vs San Jose, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Jose, CA are 18.6% higher than in Louisville, KY. Someone earning $100,000 in Louisville, KY would need about $118,600 in San Jose, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,982 a month in San Jose, CA versus $1,047 in Louisville, KY. On $100,000, that's 48% of take-home pay in San Jose, CA and 17% in Louisville, KY.
- On $100,000, estimated state income tax is about $1,688 a year higher in San Jose, CA than in Louisville, KY.
- For federal employees, locality pay changes a GS-13 step 1 salary by +25.0% moving from Louisville, KY to San Jose, CA ($106,437 → $133,060), while prices change by +18.6%. Net effect of the transfer: +5.4% in real buying power.
- Louisville, KY: price level 93.1 (cheaper)
- San Jose, CA: price level 110.4 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Louisville, KY | San Jose, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 93.1 | 110.4 |
| $100,000 is worth, in the other city2 | $118,640 in San Jose | $84,289 in Louisville |
| Typical 1-bedroom rent3 | $1,047/mo | $2,982/mo |
| Take-home on $100,00014,15,8 | $75,798 | $74,110 |
| State income tax on $100,000 (estimate)8 | $3,382 (KY) | $5,070 (CA) |
| Rent burden on $100,000 | 17% | 48% |
| Median pay, all jobs4 | $48,370 | $84,050 |
| Federal locality pay area7 | Rest of U.S. | San Jose-San Francisco-Oakland, CA |
Rent areas: Louisville, KY-IN HUD Metro FMR Area and San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area. Metro areas: Louisville/Jefferson County, KY-IN and San Jose-Sunnyvale-Santa Clara, CA.
What costs more or less
| Price level (U.S. = 100) | Louisville | San Jose |
|---|---|---|
| Housing (rent) | 78.6 | 211.9 |
| Goods | 96.2 | 105.2 |
| Utilities | 75.0 | 156.7 |
| Other services | 96.8 | 100.3 |
| Overall | 93.1 | 110.4 |
Moving with the same $100,000 salary
Louisville, KY → San Jose, CA
Same pay buys less
Buying power −15.7%; rent takes 48% of take-home; state tax +$1,688/yr.
3 Weak offer
San Jose, CA → Louisville, KY
Same pay goes further
Buying power +18.6%; rent takes 17% of take-home; state tax −$1,688/yr.
100 Strong offer
On the GS pay scale?
Louisville, KY is in the Rest of U.S. pay area; San Jose, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Louisville, KY to San Jose, CA at the same grade and step does to real buying power.
| Grade5,2 | Louisville, KY | San Jose, CA | Real change, Louisville → San Jose |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $77,161 | +5.4% |
| GS-11 step 1 | $74,678 | $93,358 | +5.4% |
| GS-12 step 1 | $89,508 | $111,896 | +5.4% |
| GS-13 step 1 | $106,437 | $133,060 | +5.4% |
| GS-14 step 1 | $125,776 | $157,236 | +5.4% |
Pay for common jobs
| Median annual pay4 | Louisville, KY | San Jose, CA | San Jose pay in Louisville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,610 | $102,860 | $86,699 (+40.7%) |
| Software Developers | $110,270 | $213,110 | $179,627 (+62.9%) |
| Accountants and Auditors | $76,320 | $121,700 | $102,579 (+34.4%) |
| Registered Nurses | $84,850 | $216,740 | $182,687 (+115.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.