Home Buying in Louisville>Question Details

N, Home Buyer in Canada, KY

Louisville area - are there any differences between Kentucky and Indiana

Asked by N, Canada, KY Sun Aug 10, 2008

tax-wise, school, etc? Moving from Canada for schooling and interested in buying in the greater Louisville area, but just wondering if there are reasons people live on one side or the other of the border? For example, here in Canada livng in Alberta means only 5% sales tax, but move to Saskatchewan and it's 10%. Thanks!

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We're in the middle of a move too (but from Ohio). Here's what I've learned so far:

Indiana just raised their sales tax. Kentucky taxes your cars when you first move, then there's just registration. Overall tax burden is very similar (Kentucky is 25th, Indiana is 28th).

Floyd county schools in Indiana are outstanding, Oldham county schools are tops in Kentucky. Other counties in either state are average or poor. Greatschools.net is a good resource for that.
Web Reference: http://www.greatschools.net
3 votes Thank Flag Link Thu Aug 21, 2008
hello there is a real big difference between kentucky and indiana i was borned there and have lived there the taxes in indiana will eat you alive thats the only place i have ever lived where i had to pay for taxes on my car and taxes for each wheel on the car they call it wheel tax and my gas bill for my house i had ran me about 500.00 a month like i said i was born there and have lived there but i don't now i would pick kentucky
2 votes Thank Flag Link Tue Aug 12, 2008
Hello,

There are no major differences in taxes. The schools are great in both areas if you'd like to email me, I would be happy to send you a Relocation Guide for Kentuckiana area. People pick which side by preference mostly. They like to be close to their family or employment. If I may be of assistance to you, please let me know.

Kathy Dickerson, REALTOR, ABR
Linda Guthery Luxury Homes, LLC
Cell - 502-905-2057
Email - Kathy@LindaGuthery.com
Web Reference: http://www.LindaGuthery.com
1 vote Thank Flag Link Sun Aug 10, 2008
Hi, I have lived in both Jefferson county and Oldham county, Ky., since I like country living and a large yard or small acreage for my kids to play on I liked Oldham county better. Once my children were grown I moved for a short time to Clark county, In., but I sold after a few years because of the high taxes in the Jeffersonville, In. city limits. We then built a new home in Floyd county, In. in the area of Floyds Knobs. Lower taxes, fair utility bills, good schools and a rural feel. Be sure where ever you buy make sure if you are within a cities boundaries you find out what their taxes are. Also if you buy in the country you find out about what is available as far as heat and cooling, also septic or sewers.
Hope this info helps, Sandy
0 votes Thank Flag Link Thu Sep 17, 2009
H,
Thanks for your great question! Of course living in Indiana and Kentucky are two different experiences, but both offer wonderful opportunities for you and your family. I have family in Southern Indiana and I live in Louisville, so I'm familiar with both sides of the coin. Please get in touch with me and I will set you up with a City in a Disk set so you can judge for yourself! You will find information about my company, Coldwell Banker McMahan, and our relocation services on my Trulia page.
0 votes Thank Flag Link Tue Jun 2, 2009
Louisville is better. Better shopping. Better road system. Better feel. Better services. However, Floyd Co Indiana public schools are pretty sensational. Oldham, KY schools are great. Jefferson Catholic Schools are also great (but $8,000 per year).
0 votes Thank Flag Link Wed Apr 15, 2009
One is good and the other evil. I'll let you be the judge of which is which. ;^)

In all seriousness, there are many differences, not just in the states as a whole, but in the cities and even down to parts of the city.

I think the first step is determining which school you're going to attend and start looking in areas nearby that match your price range.

I wish you all the best!
-Tre Pryor
Web Reference: http://www.trepryor.com/
0 votes Thank Flag Link Thu Dec 11, 2008
If the schools are not that big a deal to you, there are certainly many other rural type areas close to Louisville other than Oldham County. Spencer county, Bullitt county, and Shelby county are all an easy commute to Louisville and the homes prices in those counties are generally lower than what you would find in Jefferson county or Oldham county. Spencer county was the fastest growing county in the state for several years for the very reasons you state. People were looking for a more rural feel, but within commuting distance of theire jobs in Louisville. The new construction has slowed considerably now, but its full of people who have moved from the Louisville-Jefferson county area.
0 votes Thank Flag Link Tue Sep 23, 2008
i was born in ind and yes there is a difference between ind and ky is that ind will tax tax tax tax you and when you think your done paying taxes then ther's more taxes i have never in my life seen a state that taxes you so much with all the taxes you pay there they sould be the richest state in the usa.Thats why i moved from there.I had a chance 15 years agao to buy a 2 story home for 7000.00 and it was a nice home but the taxes would had ate me alive and just to keep the home warm in the winter cost me 500.00 a month
0 votes Thank Flag Link Sun Sep 14, 2008
We're homeschoolers. Good news there too. Indiana and Kentucky are both homeschool friendly.

In terms of distance from downtown, Indiana does get rural more quickly than Kentucky, especially if you get away from I-64.
0 votes Thank Flag Link Tue Sep 9, 2008
Thanks all for the responses! I think we've decided for now on IN, but we still have to move and buy! It just seems like the IN side has cheaper homes and since our kids aren't school age yet (and we're thinking homeschooling is cool), schools aren't a big deal. We like the rural feel of where we live now, but it sure seems like to get that feel in KY you have to buy in Oldham county (out of our price range for the size house we'd like), or commute quite a distance, while the IN side seems to get rural quickly, although that's only from looking at Google earth. Is that right?
0 votes Thank Flag Link Mon Sep 8, 2008
I have a friend from Windsor who's his brother lives here. Came down with UPS and bought in Oldham County. There are other good schools if you like a more urban setting with older homes, parks and close to many of our universities. Jefferson County Public Schools have magnet programs and the Catholic Schools (open to all faiths) are good also.

Taxes are pretty close. You have to get a feel for the areas and what you can purchase for your money. I live in Louisville and I'm a little biased.
0 votes Thank Flag Link Mon Sep 8, 2008
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