Is Cincinnati, OH cheaper than New York, NY?

Based on cost of living data, Cincinnati, OH is 47.0% cheaper than New York, NY. This translates to saving $1763 per month.

What salary do I need in Cincinnati, OH to live like I do in New York, NY?

If you earn $75,000 in New York, NY, you'd need approximately $53,839.286 in Cincinnati, OH to maintain the same standard of living.

How does housing cost compare between New York, NY and Cincinnati, OH?

Housing in Cincinnati, OH is 72.8% cheaper than in New York, NY. For a two-bedroom apartment, rent is $1,200/month in Cincinnati, OH compared to $3,590/month in New York, NY.

How much can I save per month by moving from New York, NY to Cincinnati, OH?

Moving from New York, NY to Cincinnati, OH could save you approximately $1763 per month, or $21161 per year, based on a $75,000 salary.

MoveNumbers

New York, NY

Tap to swap

Cincinnati, OH

Cost of Living Comparison 2026

Current salary in New York, NY

Numbers update automatically as you type

You'd save $1.8K/month moving to Cincinnati, OH

$75.0K in your current city equals $53.8K in Cincinnati, OH

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↓ 47.0%

Less expensive

Monthly Impact

$1,763

Savings

Annual Impact

$21.2K

Per year

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

New York, NY

Population:8337K

Cost Index:100

Median Home:$1.05M

Cincinnati, OH

Population:309K

Cost Index:53

Median Home:$225K

New York, NY

The Empire State

8.3M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Most populous city in the US
•Major global financial center
•World-renowned cultural hub

Major Industries

FinanceReal EstateTechnologyMedia

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: New York, NY vs Cincinnati, OH

Category	New York, NY	Cincinnati, OH	Difference	Change
🏠Housing	$5,959/mo	$1,620/mo	↓ $4,339less	72.8%
📦Other	$1,585/mo	$1,252/mo	↓ $333less	21.0%
🚗Transportation	$1,248/mo	$947/mo	↓ $301less	24.1%
🛒Groceries	$908/mo	$716/mo	↓ $192less	21.1%
⚡All Utilities	$467/mo	$362/mo	↓ $106less	22.6%
🏥Healthcare	$536/mo	$439/mo	↓ $96.55less	18.0%

🏠Housing

↓ 72.8%

New York, NY

$5,959

Cincinnati, OH

$1,620

Difference

$4,339

less

📦Other

↓ 21.0%

New York, NY

$1,585

Cincinnati, OH

$1,252

Difference

$333

less

🚗Transportation

↓ 24.1%

New York, NY

$1,248

Cincinnati, OH

$947

Difference

$301

less

🛒Groceries

↓ 21.1%

New York, NY

$908

Cincinnati, OH

$716

Difference

$192

less

⚡All Utilities

↓ 22.6%

New York, NY

$467

Cincinnati, OH

$362

Difference

$106

less

🏥Healthcare

↓ 18.0%

New York, NY

$536

Cincinnati, OH

$439

Difference

$96.55

less

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$2,782/yr (3.7%)

Cincinnati, OH: Cincinnati Earnings Tax$1,350/yr (1.8%)

Net difference-$1,432/yr

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

🏠Rent Comparison

Studio

From$3,120

To$850

↓ $2,270

1 Bed

From$3,270

To$935

↓ $2,335

2 Bed

From$3,590

To$1,200

↓ $2,390

3 Bed

From$4,500

To$1,585

↓ $2,915

New York, NYZIP-level data

1BR range: $2,260–$3,990/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.

$10,703

Monthly in New York, NY

$5,337

Monthly in Cincinnati, OH

$5,367

Difference

Home Values

New York

Cincinnati

$1.05M

Median Value

$225K

↓ -0.1%

YoY Change

↑ +1.2%

↓ -5.9%

5-Year Change

↑ +31.9%

$471K - $3.49M

Price Range

$113K - $592K

Homes in Cincinnati are 79% less expensive than New York

Calculate payment - New York Calculate payment - Cincinnati

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

Tax Comparison

Annual tax burden comparison at $75.0K salary

Tax Savings

↑ $2.9K

Per year

Monthly Difference

$243

More take-home

Effective Rate Diff

3.9%

Rate difference

New York, NY

Federal Income Tax

Effective: 13.8%

$8.3K

New York State Tax

Effective: 5.9%

$4.4K

FICA Taxes

Social Security + Medicare

$5.7K

Total Taxes

Effective: 24.7%

$18.5K

Take-Home Pay

$4,707/month

$56.5K

Cincinnati, OH

Federal Income Tax

Effective: 13.8%

$8.3K

Ohio State Tax

Effective: 2.0%

$1.5K

FICA Taxes

Social Security + Medicare

$5.7K

Total Taxes

Effective: 20.8%

$15.6K

Take-Home Pay

$4,950/month

$59.4K

Additional Tax Information

New York, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.