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Cost of Living Comparison 2026

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You'd spend $1.2K/month more in Austin, TX

$150.0K in your current city equals $164.2K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Cincinnati, OH-KY-IN area
Overall Cost
15.7%
More expensive
Monthly Impact
$1,180
Extra cost
Annual Impact
$14.2K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Cincinnati, OH

Population:309K
Cost Index:100
Median Home:$225K

Austin, TX

Population:979K
Cost Index:116
Median Home:$558K

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K residents.

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • Live music capital
  • Major tech hub
  • SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Cincinnati, OH vs Austin, TX

🏠Housing
38.8%
Cincinnati, OH
$2,079
Austin, TX
$2,885
Difference
$806
more
📦Other
8.3%
Cincinnati, OH
$1,607
Austin, TX
$1,741
Difference
$134
more
All Utilities
16.5%
Cincinnati, OH
$464
Austin, TX
$541
Difference
$76.50
more
🚗Transportation
5.6%
Cincinnati, OH
$1,216
Austin, TX
$1,284
Difference
$68.30
more
🛒Groceries
4.3%
Cincinnati, OH
$919
Austin, TX
$959
Difference
$39.97
more
🏥Healthcare
4.4%
Cincinnati, OH
$564
Austin, TX
$589
Difference
$24.78
more

🏛️ Local Income Taxes

Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)

Austin, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$850
To$1,585
$735
1 Bed
From$935
To$1,685
$750
2 Bed
From$1,200
To$1,995
$795
3 Bed
From$1,585
To$2,525
$940
Cincinnati, OHZIP-level data

1BR range: $760$1,580/mo

Austin, TXZIP-level data

1BR range: $1,490$2,350/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,849
Monthly in Cincinnati, OH
$7,998
Monthly in Austin, TX
$1,149
Difference

Home Values

Cincinnati
Austin
$225K
Median Value
$558K
↑ +1.2%
YoY Change
↓ -5%
↑ +31.9%
5-Year Change
↑ +12.6%
$113K - $592K
Price Range
$272K - $1.26M

Homes in Austin are 148% more expensive than Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$4.4K
Per year
Monthly Difference
$369
More take-home
Effective Rate Diff
3.0%
Rate difference

Cincinnati, 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

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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

Cincinnati
Austin
52 Moderate
Air Quality
52 Moderate
44.8%
Good Air Days
42.6%
96 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
+3.1°F
2050 Outlook
+2.5°F
29 days
Heat Days >95°F
98 days
+3.1°F
2050 Outlook
+2.5°F
29 days
Heat Days >95°F
98 days

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

Where your money goes further

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Similar cost to Austin, TX

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