Loveland, OH vs Bay Village, OH: Cost of Living

Which city costs less?

Bay Village, OH has a modeled overall cost index 7.9% lower than Loveland, OH.

Loveland, OH · modeled 2BR rent
$1,710 / month
Bay Village, OH · modeled 2BR rent
$1,750 / 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 Loveland, OH and Bay Village, 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 savings: $296/month in Bay Village, OH

$150,000 in your current city has a modeled equivalent of $146,447 in Bay Village, OH

Regional cost estimates: Loveland, OH uses Cincinnati, OH. Bay Village, OH uses Cleveland, OH. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 7.9%
Less expensive
Monthly Impact
$296
Savings
Annual Impact
$3.6K
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.

Loveland, OH

Population:13K
Cost Index:
82.9
100 = national average
Typical Home:$430K

Bay Village, OH

Population:16K
Cost Index:
76.3
100 = national average
Typical Home:$394K

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Loveland, OH

The Buckeye State

13K
Population
State Tax
Yes

Located in Ohio, this city has a population of 13K residents.

Bay Village, OH

The Buckeye State

16K
Population
State Tax
Yes

Located in Ohio, this city has a population of 16K residents.

Cost Breakdown by Category

Estimated monthly spending: Loveland, OH vs Bay Village, 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
↓ 20.1%
Loveland, OH
$2,091
Bay Village, OH
$1,671
Difference
$419
less
Transportation
↑ 12.3%
Loveland, OH
$1,358
Bay Village, OH
$1,525
Difference
$167
more
Groceries
↑ 5.4%
Loveland, OH
$1,064
Bay Village, OH
$1,122
Difference
$57.43
more
Other
↓ 3.2%
Loveland, OH
$1,796
Bay Village, OH
$1,738
Difference
$57.41
less
Healthcare
↓ 6.6%
Loveland, OH
$653
Bay Village, OH
$610
Difference
$43.27
less
All Utilities
↓ 0.0%
Loveland, OH
$538
Bay Village, OH
$538
Difference
$0.20
less

🏠Rent Comparison

Studio
From$1,210
To$1,280
↑ $70.00
1 Bed
From$1,330
To$1,450
↑ $120
2 Bed
From$1,710
To$1,750
↑ $40.00
3 Bed
From$2,260
To$2,250
↓ $10.00
Loveland, OHZIP-level data

1BR range: $1,330–$1,330/mo

Bay Village, OHZIP-level data

1BR range: $1,450–$1,450/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 Loveland, OH
$7,204
Monthly in Bay Village, OH
$296
Difference

Home Values

Loveland
Bay Village
$430K
Median Value
$394K
↑ +4.1%
YoY Change
↑ +6.6%
↑ +43%
5-Year Change
↑ +41%

Homes in Bay Village are 8% less expensive than Loveland

Calculate payment - LovelandCalculate payment - Bay Village

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

Loveland, 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

Bay Village, 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

Loveland, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Bay Village, 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

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

Before moving from Loveland, OH to Bay Village, 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 Bay Village, OH for the same bedroom count and included utilities as your home in Loveland, OH. 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 Loveland to Bay Village moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Loveland, OH vs Bay Village, OH

How do the cost estimates for Loveland, OH and Bay Village, OH compare?

Bay Village, OH has a modeled overall cost index 7.9% lower than Loveland, OH. 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 Loveland, OH, the model estimates $146,447 in Bay Village, 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 Loveland, OH and Bay Village, OH?

The modeled two-bedroom rents are $1,710/month in Loveland, OH and $1,750/month in Bay Village, 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.

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