Most of Louisville is in Jefferson County, where a full-time job needs to pay at least $31.95 an hour before taxes to take home four times the typical studio rent.
Across the 50 ZIP codes in Louisville with HUD rent figures, studio rents run from $790 to $1,390 a month. At the middle rent, $990, a full-time job would need to pay $30.65 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 40201 | Jefferson County | $990/mo | $30.65/hr |
| 40202 | Jefferson County | $1,070/mo | $33.25/hr |
| 40203 | Jefferson County | $790/mo | $24.14/hr |
| 40204 | Jefferson County | $1,090/mo | $33.90/hr |
| 40205 | Jefferson County | $1,030/mo | $31.95/hr |
| 40206 | Jefferson County | $1,100/mo | $34.23/hr |
| 40207 | Jefferson County | $1,190/mo | $37.53/hr |
| 40208 | Jefferson County | $830/mo | $25.44/hr |
| 40209 | Jefferson County | $860/mo | $26.42/hr |
| 40210 | Jefferson County | $860/mo | $26.42/hr |
| 40211 | Jefferson County | $850/mo | $26.09/hr |
| 40212 | Jefferson County | $870/mo | $26.75/hr |
| 40213 | Jefferson County | $850/mo | $26.09/hr |
| 40214 | Jefferson County | $900/mo | $27.72/hr |
| 40215 | Jefferson County | $930/mo | $28.70/hr |
| 40216 | Jefferson County | $820/mo | $25.12/hr |
| 40217 | Jefferson County | $1,030/mo | $31.95/hr |
| 40218 | Jefferson County | $1,010/mo | $31.30/hr |
| 40219 | Jefferson County | $940/mo | $29.02/hr |
| 40220 | Jefferson County | $1,100/mo | $34.23/hr |
| 40221 | Jefferson County | $990/mo | $30.65/hr |
| 40222 | Jefferson County | $1,170/mo | $36.78/hr |
| 40223 | Jefferson County | $1,270/mo | $40.52/hr |
| 40228 | Jefferson County | $1,210/mo | $38.28/hr |
| 40229 | Jefferson County | $1,130/mo | $35.29/hr |
| 40231 | Jefferson County | $990/mo | $30.65/hr |
| 40232 | Jefferson County | $990/mo | $30.65/hr |
| 40233 | Jefferson County | $990/mo | $30.65/hr |
| 40241 | Jefferson County | $1,250/mo | $39.78/hr |
| 40242 | Jefferson County | $1,110/mo | $34.57/hr |
| 40243 | Jefferson County | $1,130/mo | $35.29/hr |
| 40245 | Jefferson County | $1,390/mo | $45.01/hr |
| 40250 | Jefferson County | $990/mo | $30.65/hr |
| 40251 | Jefferson County | $990/mo | $30.65/hr |
| 40252 | Jefferson County | $990/mo | $30.65/hr |
| 40253 | Jefferson County | $990/mo | $30.65/hr |
| 40255 | Jefferson County | $990/mo | $30.65/hr |
| 40256 | Jefferson County | $990/mo | $30.65/hr |
| 40257 | Jefferson County | $990/mo | $30.65/hr |
| 40258 | Jefferson County | $990/mo | $30.65/hr |
| 40259 | Jefferson County | $990/mo | $30.65/hr |
| 40261 | Jefferson County | $990/mo | $30.65/hr |
| 40268 | Jefferson County | $990/mo | $30.65/hr |
| 40269 | Jefferson County | $990/mo | $30.65/hr |
| 40270 | Jefferson County | $990/mo | $30.65/hr |
| 40272 | Jefferson County | $1,030/mo | $31.95/hr |
| 40280 | Jefferson County | $1,100/mo | $34.23/hr |
| 40285 | Jefferson County | $990/mo | $30.65/hr |
| 40291 | Jefferson County | $1,030/mo | $31.95/hr |
| 40299 | Jefferson County | $1,120/mo | $34.93/hr |
Under the Four Times Rent standard, a full-time job in Louisville needs to pay at least $31.95 an hour before taxes, about $66,456 a year. That is the figure for Jefferson County, where the typical studio rent is $1,030 a month.
Yes. Across the 50 ZIP codes in Louisville with HUD rent figures, studio rents run from $790 to $1,390 a month. At the middle rent of $990, the pay needed would be $30.65 an hour.
The minimum wage in Jefferson County is $7.25 an hour. The Four Times Rent standard there is 4.4 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads