Is Cleveland, OH cheaper than New York, NY?

Based on cost of living data, Cleveland, OH is 51.2% cheaper than New York, NY. This translates to saving $3839 per month.

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

If you earn $150,000 in New York, NY, you'd need approximately $103,928.571 in Cleveland, OH to maintain the same standard of living.

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

Housing in Cleveland, OH is 78.3% cheaper than in New York, NY. For a two-bedroom apartment, rent is $1,180/month in Cleveland, OH compared to $3,590/month in New York, NY.

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

Moving from New York, NY to Cleveland, OH could save you approximately $3839 per month, or $46071 per year, based on a $150,000 salary.

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New York, NY

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Cleveland, OH

Cost of Living Comparison 2026

Current salary in New York, NY

Numbers update automatically as you type

You'd save $3.8K/month moving to Cleveland, OH

$150.0K in your current city equals $103.9K in Cleveland, OH

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

Overall Cost

↓ 51.2%

Less expensive

Monthly Impact

$3,839

Savings

Annual Impact

$46.1K

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

Cleveland, OH

Population:384K

Cost Index:49

Median Home:$128K

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

Cleveland, OH

The Buckeye State

384K

Population

State Tax

Yes

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

Cost Breakdown by Category

Annual spending: New York, NY vs Cleveland, OH

Category	New York, NY	Cleveland, OH	Difference	Change
🏠Housing	$7,648/mo	$1,663/mo	↓ $5,985less	78.3%
📦Other	$2,034/mo	$1,557/mo	↓ $477less	23.5%
🚗Transportation	$1,602/mo	$1,366/mo	↓ $236less	14.7%
🛒Groceries	$1,165/mo	$969/mo	↓ $196less	16.8%
🏥Healthcare	$688/mo	$527/mo	↓ $161less	23.4%
⚡All Utilities	$600/mo	$464/mo	↓ $136less	22.6%

🏠Housing

↓ 78.3%

New York, NY

$7,648

Cleveland, OH

$1,663

Difference

$5,985

less

📦Other

↓ 23.5%

New York, NY

$2,034

Cleveland, OH

$1,557

Difference

$477

less

🚗Transportation

↓ 14.7%

New York, NY

$1,602

Cleveland, OH

$1,366

Difference

$236

less

🛒Groceries

↓ 16.8%

New York, NY

$1,165

Cleveland, OH

$969

Difference

$196

less

🏥Healthcare

↓ 23.4%

New York, NY

$688

Cleveland, OH

$527

Difference

$161

less

⚡All Utilities

↓ 22.6%

New York, NY

$600

Cleveland, OH

$464

Difference

$136

less

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$5,689/yr (3.8%)

Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)

Net difference-$1,939/yr

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

🏠Rent Comparison

Studio

From$3,120

To$860

↓ $2,260

1 Bed

From$3,270

To$980

↓ $2,290

2 Bed

From$3,590

To$1,180

↓ $2,410

3 Bed

From$4,500

To$1,520

↓ $2,980

New York, NYZIP-level data

1BR range: $2,260–$3,990/mo

Cleveland, OHZIP-level data

1BR range: $810–$1,590/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.

$13,737

Monthly in New York, NY

$6,546

Monthly in Cleveland, OH

$7,191

Difference

Home Values

New York

Cleveland

$1.05M

Median Value

$128K

↓ -0.1%

YoY Change

↓ -2.1%

↓ -5.9%

5-Year Change

↑ +21.7%

$471K - $3.49M

Price Range

$59K - $291K

Homes in Cleveland are 88% less expensive than New York

Calculate payment - New York Calculate payment - Cleveland

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.1K

Per year

Monthly Difference

$426

More take-home

Effective Rate Diff

3.4%

Rate difference

New York, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Additional Tax Information

New York, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Cleveland, 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.