Centerville, IN vs Oak Harbor, OH: Cost of Living

Which city costs less?

Oak Harbor, OH has a modeled overall cost index 0.3% lower than Centerville, IN.

Centerville, IN · modeled 2BR rent
$1,020 / month
Oak Harbor, OH · modeled 2BR rent
$1,070 / 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 Centerville, IN and Oak Harbor, 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

$
Numbers update automatically as you type

Estimated extra cost: $149/month in Oak Harbor, OH

$150,000 in your current city has a modeled equivalent of $151,794 in Oak Harbor, OH

Regional cost estimates: Centerville, IN uses Cincinnati, OH. Oak Harbor, OH uses Detroit, MI. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.3%
Less expensive
Monthly Impact
$149
Extra cost
Annual Impact
$1.8K
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.

Centerville, IN

Population:3K
Cost Index:
79.9
100 = national average
Typical Home:$202K

Oak Harbor, OH

Population:3K
Cost Index:
79.7
100 = national average
Typical Home:$197K

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Centerville, IN

The Hoosier State

3K
Population
State Tax
Yes

Located in Indiana, this city has a population of 3K residents.

Oak Harbor, OH

The Buckeye State

3K
Population
State Tax
Yes

Located in Ohio, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Centerville, IN vs Oak Harbor, 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.

Housing
↓ 24.3%
Centerville, IN
$2,079
Oak Harbor, OH
$1,573
Difference
$506
less
Transportation
↑ 30.4%
Centerville, IN
$1,351
Oak Harbor, OH
$1,761
Difference
$410
more
All Utilities
↑ 20.5%
Centerville, IN
$545
Oak Harbor, OH
$657
Difference
$112
more
Other
↑ 5.1%
Centerville, IN
$1,786
Oak Harbor, OH
$1,876
Difference
$90.77
more
Groceries
↑ 3.7%
Centerville, IN
$1,078
Oak Harbor, OH
$1,118
Difference
$40.05
more
Healthcare
↑ 0.4%
Centerville, IN
$661
Oak Harbor, OH
$664
Difference
$2.90
more

🏠Rent Comparison

Studio
From$770
To$780
↑ $10.00
1 Bed
From$780
To$820
↑ $40.00
2 Bed
From$1,020
To$1,070
↑ $50.00
3 Bed
From$1,270
To$1,280
↑ $10.00
Centerville, INZIP-level data

1BR range: $780–$780/mo

Oak Harbor, OHZIP-level data

1BR range: $820–$820/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 Centerville, IN
$7,649
Monthly in Oak Harbor, OH
$149
Difference

Home Values

Centerville
Oak Harbor
$202K
Median Value
$197K
↑ +8%
YoY Change
↓ -0.3%
↑ +48.8%
5-Year Change
↑ +26.7%

Homes in Oak Harbor are 3% less expensive than Centerville

Calculate payment - CentervilleCalculate payment - Oak Harbor

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $418
Per year
Monthly Difference
$34.81
More take-home
Effective Rate Diff
0.3%
Rate difference

Centerville, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

Oak Harbor, 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

Centerville, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

Oak Harbor, 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

Centerville
Oak Harbor
52 Moderate
Air Quality
55 Moderate
44.8%
Good Air Days
32.8%
96 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+3.1°F
29 days
Heat Days >95°F
10 days
▲+3.1°F
2050 Outlook
▲+3.1°F
29 days
Heat Days >95°F
10 days

Before moving from Centerville, IN to Oak Harbor, OH

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

  1. Compare actual homes. Get current quotes in Oak Harbor, OH for the same bedroom count and included utilities as your home in Centerville, IN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Centerville to Oak Harbor moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Centerville, IN vs Oak Harbor, OH

How do the cost estimates for Centerville, IN and Oak Harbor, OH compare?

Oak Harbor, OH has a modeled overall cost index 0.3% lower than Centerville, IN. 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 Centerville, IN, the model estimates $151,794 in Oak Harbor, 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 Centerville, IN and Oak Harbor, OH?

The modeled two-bedroom rents are $1,020/month in Centerville, IN and $1,070/month in Oak Harbor, 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 Indiana and Ohio on TaxTakeHome.com

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