Bellwood, IL vs Miamisburg, OH: Cost of Living

Which city costs less?

Miamisburg, OH has a modeled overall cost index 12.1% lower than Bellwood, IL.

Bellwood, IL · modeled 2BR rent: $1,490 / month
Miamisburg, OH · modeled 2BR rent: $1,540 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Bellwood, IL and Miamisburg, OH using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Bellwood, IL

Numbers update automatically as you type

Estimated savings: $1,172/month in Miamisburg, OH

$150,000 in your current city has a modeled equivalent of $135,940 in Miamisburg, OH

Regional cost estimates: Bellwood, IL uses Chicago, IL. Miamisburg, OH uses Cincinnati, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 12.1%

Less expensive

Monthly Impact

$1,172

Savings

Annual Impact

$14.1K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Bellwood, IL

Population:18K

Cost Index:

96.3

100 = national average

Typical Home:$237K

Miamisburg, OH

Population:20K

Cost Index:

84.7

100 = national average

Typical Home:$251K

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Bellwood, IL

The Prairie State

18K

Population

State Tax

Yes

Located in Illinois, this city has a population of 18K residents.

Miamisburg, OH

The Buckeye State

20K

Population

State Tax

Yes

Located in Ohio, this city has a population of 20K residents.

Cost Breakdown by Category

Estimated monthly spending: Bellwood, IL vs Miamisburg, OH

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Bellwood, IL	Miamisburg, OH	Difference	Change
Housing	$2,444/mo	$1,770/mo	↓ $674less	27.6%
Transportation	$1,488/mo	$1,150/mo	↓ $338less	22.7%
Groceries	$966/mo	$892/mo	↓ $74.31less	7.7%
All Utilities	$487/mo	$450/mo	↓ $36.71less	7.5%
Other	$1,557/mo	$1,520/mo	↓ $36.69less	2.4%
Healthcare	$558/mo	$547/mo	↓ $11.38less	2.0%

Housing

↓ 27.6%

Bellwood, IL

$2,444

Miamisburg, OH

$1,770

Difference

$674

less

Transportation

↓ 22.7%

Bellwood, IL

$1,488

Miamisburg, OH

$1,150

Difference

$338

less

Groceries

↓ 7.7%

Bellwood, IL

$966

Miamisburg, OH

$892

Difference

$74.31

less

All Utilities

↓ 7.5%

Bellwood, IL

$487

Miamisburg, OH

$450

Difference

$36.71

less

Other

↓ 2.4%

Bellwood, IL

$1,557

Miamisburg, OH

$1,520

Difference

$36.69

less

Healthcare

↓ 2.0%

Bellwood, IL

$558

Miamisburg, OH

$547

Difference

$11.38

less

🏠Rent Comparison

Studio

From$1,240

To$1,120

↓ $120

1 Bed

From$1,320

To$1,220

↓ $100

2 Bed

From$1,490

To$1,540

↑ $50.00

3 Bed

From$1,920

To$2,000

↑ $80.00

Bellwood, ILZIP-level data

1BR range: $1,320–$1,320/mo

Miamisburg, OHZIP-level data

1BR range: $1,220–$1,220/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Bellwood, IL

$6,328

Monthly in Miamisburg, OH

$1,172

Difference

Home Values

Bellwood

Miamisburg

$237K

Median Value

$251K

↑ +2.2%

YoY Change

↑ +4.6%

↑ +34.7%

5-Year Change

↑ +38.3%

Homes in Miamisburg are 6% more expensive than Bellwood

Calculate payment - Bellwood Calculate payment - Miamisburg

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.0K

Per year

Monthly Difference

$250

More take-home

Effective Rate Diff

2.0%

Rate difference

Bellwood, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

Miamisburg, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Additional Tax Information

Bellwood, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Miamisburg, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Bellwood

Miamisburg

54 Moderate

Air Quality

52 Moderate

35.8%

Good Air Days

44.8%

100 Very High

Climate Risk

96 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.1°F

18 days

Heat Days >95°F

29 days

▲+3.2°F

2050 Outlook

▲+3.1°F

18 days

Heat Days >95°F

29 days

Before moving from Bellwood, IL to Miamisburg, OH

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Miamisburg, OH for the same bedroom count and included utilities as your home in Bellwood, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Bellwood to Miamisburg moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Miamisburg, OH by cost, housing, population and region.

Frequently Asked Questions: Bellwood, IL vs Miamisburg, OH

How do the cost estimates for Bellwood, IL and Miamisburg, OH compare?

Miamisburg, OH has a modeled overall cost index 12.1% lower than Bellwood, IL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Bellwood, IL, the model estimates $135,940 in Miamisburg, OH. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Bellwood, IL and Miamisburg, OH?

The modeled two-bedroom rents are $1,490/month in Bellwood, IL and $1,540/month in Miamisburg, OH. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Illinois and Ohio on TaxTakeHome.com