City comparison
Louisville, KY vs Worcester, MA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Worcester, MA are 10.2% higher than in Louisville, KY. Someone earning $100,000 in Louisville, KY would need about $110,200 in Worcester, MA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,599 a month in Worcester, MA versus $1,047 in Louisville, KY. On $100,000, that's 26% of take-home pay in Worcester, MA and 17% in Louisville, KY.
- On $100,000, estimated state income tax is about $1,398 a year higher in Worcester, MA than in Louisville, KY.
- For federal employees, locality pay changes a GS-13 step 1 salary by +13.3% moving from Louisville, KY to Worcester, MA ($106,437 → $120,548), while prices change by +10.2%. Net effect of the transfer: +2.8% in real buying power.
- Louisville, KY: price level 93.1 (cheaper)
- Worcester, MA: price level 102.5 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Louisville, KY | Worcester, MA | |
|---|---|---|
| Price level (U.S. = 100)2 | 93.1 | 102.5 |
| $100,000 is worth, in the other city2 | $110,152 in Worcester | $90,784 in Louisville |
| Typical 1-bedroom rent3 | $1,047/mo | $1,599/mo |
| Take-home on $100,00014,15,8 | $75,798 | $74,400 |
| State income tax on $100,000 (estimate)8 | $3,382 (KY) | $4,780 (MA) |
| Rent burden on $100,000 | 17% | 26% |
| Median pay, all jobs4 | $48,370 | $57,830 |
| Federal locality pay area7 | Rest of U.S. | Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT |
Rent areas: Louisville, KY-IN HUD Metro FMR Area and Worcester, MA HUD Metro FMR Area. Metro areas: Louisville/Jefferson County, KY-IN and Worcester, MA.
What costs more or less
| Price level (U.S. = 100) | Louisville | Worcester |
|---|---|---|
| Housing (rent) | 78.6 | 113.0 |
| Goods | 96.2 | 97.0 |
| Utilities | 75.0 | 155.2 |
| Other services | 96.8 | 101.2 |
| Overall | 93.1 | 102.5 |
Moving with the same $100,000 salary
Louisville, KY → Worcester, MA
Same pay buys less
Buying power −9.2%; rent takes 26% of take-home; state tax +$1,398/yr.
39 Weak offer
Worcester, MA → Louisville, KY
Same pay goes further
Buying power +10.2%; rent takes 17% of take-home; state tax −$1,398/yr.
100 Strong offer
On the GS pay scale?
Louisville, KY is in the Rest of U.S. pay area; Worcester, MA is in Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT. The last column shows what a transfer from Louisville, KY to Worcester, MA at the same grade and step does to real buying power.
| Grade5,2 | Louisville, KY | Worcester, MA | Real change, Louisville → Worcester |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,905 | +2.8% |
| GS-11 step 1 | $74,678 | $84,579 | +2.8% |
| GS-12 step 1 | $89,508 | $101,375 | +2.8% |
| GS-13 step 1 | $106,437 | $120,548 | +2.8% |
| GS-14 step 1 | $125,776 | $142,452 | +2.8% |
Pay for common jobs
| Median annual pay4 | Louisville, KY | Worcester, MA | Worcester pay in Louisville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $61,610 | $82,810 | $75,178 (+22.0%) |
| Software Developers | $110,270 | $146,950 | $133,406 (+21.0%) |
| Accountants and Auditors | $76,320 | $94,070 | $85,400 (+11.9%) |
| Registered Nurses | $84,850 | $100,240 | $91,001 (+7.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.