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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $640/month more in Cincinnati, OH

$150.0K in your current city equals $157.7K in Cincinnati, OH

Rent data from HUD ZIP-level estimates · COL index from Cleveland-Elyria, OH area
Overall Cost
8.5%
More expensive
Monthly Impact
$640
Extra cost
Annual Impact
$7.7K
Per year

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

Cleveland, OH

Population:384K
Cost Index:
100
100 = national average
Median Home:$128K

Cincinnati, OH

Population:309K
Cost Index:
109
(9% above avg)
Median Home:$225K

Cleveland, OH

The Buckeye State

384K
Population
State Tax
Yes

Located in Ohio, this city has a population of 384K residents.

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

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

Cost Breakdown by Category

Annual spending: Cleveland, OH vs Cincinnati, OH

Housing
25.0%
Cleveland, OH
$1,663
Cincinnati, OH
$2,079
Difference
$416
more
Transportation
11.0%
Cleveland, OH
$1,366
Cincinnati, OH
$1,216
Difference
$150
less
Other
3.2%
Cleveland, OH
$1,557
Cincinnati, OH
$1,607
Difference
$50.22
more
Groceries
5.2%
Cleveland, OH
$969
Cincinnati, OH
$919
Difference
$49.96
less
Healthcare
7.1%
Cleveland, OH
$527
Cincinnati, OH
$564
Difference
$37.17
more
All Utilities
0.0%
Cleveland, OH
$464
Cincinnati, OH
$464
Difference
$0
same

🏛️ Local Income Taxes

Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)
Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)
Net difference-$1,050/yr

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

🏠Rent Comparison

Studio
From$860
To$850
$10.00
1 Bed
From$980
To$935
$45.00
2 Bed
From$1,180
To$1,200
$20.00
3 Bed
From$1,520
To$1,585
$65.00
Cleveland, OHZIP-level data

1BR range: $810$1,590/mo

Cincinnati, OHZIP-level data

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

$6,546
Monthly in Cleveland, OH
$6,849
Monthly in Cincinnati, OH
$303
Difference

Home Values

Cleveland
Cincinnati
$128K
Median Value
$225K
↓ -2.1%
YoY Change
↑ +1.2%
↑ +21.7%
5-Year Change
↑ +31.9%
$59K - $291K
Price Range
$113K - $592K

Homes in Cincinnati are 75% more expensive than Cleveland

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Cleveland, 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

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

Additional Tax Information

Cleveland, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Cincinnati, 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

Cleveland
Cincinnati
54 Moderate
Air Quality
52 Moderate
37.2%
Good Air Days
44.8%
98 High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
+3.3°F
2050 Outlook
+3.1°F
11 days
Heat Days >95°F
29 days
+3.3°F
2050 Outlook
+3.1°F
11 days
Heat Days >95°F
29 days

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