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Louisville, Kentucky Retirement Guide
affordable cost of livingestablished retirement community
46
Retirement Score
Louisville, Kentucky at a Glance
- Median Home Price
- $229,400
- State Income Tax
- State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.
- Avg January Low
- 24°F
- Cost of Living Index
- 89.4 (US avg = 100)
- Best For
- affordable cost of living, established retirement community
- RetireCityIQ Score
- 46 / 100
Retirement Data
Affordability
Cost of Living Index
89.4 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$229,400High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,023High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; pension/retirement income partially exempt up to threshold.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
15 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
35 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
15 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87°FMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Avg January Low
24°FMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Annual Precipitation
44"Medium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Sunny Days / Year
197 daysMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Safety
Safety Score
63.3 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
18.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
7.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
629,176High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
15.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$63,114High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
60.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
6.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
32.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
15.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
65.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
23.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Louisville using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$497
Stress-case monthly carrying cost
$558
Median home price used: $229,400
Median rent reference: $1,023 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.