Louisville, KY vs. Versailles, KY: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Louisville vs Versailles. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Louisville vs Versailles in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living differences. Here’s how Louisville and Versailles compare for common housing options:
| Housing Type | Louisville | Versailles |
|---|---|---|
| Median 2BR Apartment Rent | $1,250 | $950 |
| Median 3BR Home Price | $325,000 | $275,000 |
🏆 Winner: Versailles
Versailles offers more affordable housing options, with lower apartment rents and home prices compared to Louisville. A household moving from Louisville to Versailles might save $300+ per month on housing alone.
2. Utilities and Energy Costs
Utility costs are another important consideration. Typical monthly utility bills in Louisville and Versailles:
- Louisville: $180-$220
- Versailles: $150-$200
Both cities experience hot summers and cool winters. Electricity usage tends to peak in July and August. Versailles offers lower utility costs on average.
🏆 Winner: Versailles
3. Groceries and Daily Expenses
The cost of groceries, dining out, and everyday goods is fairly comparable between Louisville and Versailles. Expect to pay:
- $100-$150/week for groceries for a family of 2-3
- $12-$18 for a basic restaurant meal
- $4-$5 for a gallon of milk
Restaurant prices tend to be 5-10% higher in Louisville compared to Versailles.
🏆 Winner: Versailles
4. Taxes and Fees
Comparing taxes and city fees:
- Louisville property tax rate: 0.85%
- Versailles property tax rate: 0.75%
- Louisville has higher occupational taxes for workers
- In Louisville, HOA fees often include landscaping and trash, ranging from $150-$350/month
- Versailles has lower HOA fees, typically $100-$250/month
🏆 Winner: Versailles
5. Cost Summary Table
| Category | Louisville | Versailles |
|---|---|---|
| Housing | $1,250 – $1,800 | $950 – $1,400 |
| Utilities | $180 – $220 | $150 – $200 |
| Groceries | $500 – $600 | $450 – $550 |
| Transportation | $60 – $80 | $50 – $70 |
| Taxes & Fees | $300 – $500 | $250 – $400 |
| Misc Expenses | $200 – $300 | $200 – $300 |
| Estimated Monthly Total | $2,490 – $3,500 | $2,050 – $2,920 |
These figures are based on a gross monthly income (pre-tax) for a 2-3 person household. Your specific costs will vary based on your lifestyle, family size, and housing choices. See our guide to Monthly Budget Examples for Louisville Residents for more details.
6. Lifestyle Fit
While Versailles is more affordable, Louisville offers a few key lifestyle advantages:
- More diverse neighborhoods and housing options
- Better walkability and public transit
- Wider range of dining, entertainment, and cultural attractions
However, Versailles provides:
- A quieter, small-town feel
- Easier parking and less traffic
- Quick access to outdoor recreation
Louisville averages 5°F warmer than Versailles in the summer months. So if you prefer milder weather, Versailles may be the better choice.
7. Frequently Asked Questions
Is Louisville more affordable than Versailles?
No, Versailles is generally more affordable than Louisville. Housing, utilities, and taxes all tend to be lower in Versailles.
Which city has lower rent?
Versailles has lower average rent prices. A typical 2BR apartment rents for around $950/month in Versailles compared to $1,250/month in Louisville.
Where is it cheaper to buy a home?
Median home prices are about $50,000 lower in Versailles than Louisville, making it more affordable for buyers.
8. Conclusion
Versailles comes out ahead of Louisville in terms of overall affordability. Families looking to stretch their budget with lower housing, utility, and food costs may prefer Versailles.
However, Louisville can be a great fit for singles, couples, and families who value a walkable city lifestyle with more arts, culture, and diversity. The key is to weigh your priorities and budget.
Considering other Kentucky cities? Our Cost of Living in Louisville (2025 Guide) compares Louisville to Lexington, Bowling Green, and more.