What is the Average Cost of Living in Ohio in 2025?

Considering a move to Ohio? With its diverse economy and vibrant regions, Ohio stands out as a smart choice for those seeking affordability without sacrificing quality of life.

In 2025, the average cost of living in Ohio is about 8% below the national average. This offers a competitive balance of expenses and opportunities. Here’s a closer look at what expenses to expect across housing, utilities, food, and more in Ohio’s unique economic landscape.

Understanding the Average Cost of Living in Ohio

Ohio offers a living wage for a single adult averaging around $84,781. Meanwhile, a four-person family requires about $220,563. Average salaries hover near $48,262 annually. Therefore, Ohio strikes a balance that supports residents across the state.

Monthly breakdown of key expenses shows:

• Rent for a one-bedroom unit averages $887, notably lower than peer states like Pennsylvania ($1,556) and Illinois ($1,450).
• Utilities cost around $204 monthly, which is 19% less than the national average.
• Weekly groceries cost roughly $254, slightly above the national average but competitive regionally.
• Gasoline prices at $3.11 per gallon fall in the mid-range compared to neighboring states.

As a result, Ohio’s cost structure makes it appealing for those seeking an affordable place to live.

Housing and Rental Market in Ohio

Housing affordability remains a cornerstone of Ohio’s appeal. With median home prices around $239,868 and median rents for one-bedroom units about $887, Ohio’s housing market offers a gentler economic entry point compared to many states.

Key comparisons include:

• Ohio’s median home price is about 17% lower than Pennsylvania’s $281,369 and 13.5% less than Illinois’ $272,000.
• Compared to Indiana’s median home price of $255,100, Ohio homes are roughly 6.4% more affordable.
• Kentucky offers the most affordable housing with median prices around $190,000, about 21% cheaper than Ohio.
• Rental costs in Ohio are about 40% lower than Pennsylvania and 23% lower than Illinois. Indiana’s rents for two-bedroom units exceed Ohio’s by about 10%.

For example, in Ohio’s major cities, housing prices vary significantly. Columbus and Cincinnati align closely with state averages. However, Cleveland’s median home price is notably lower at $108,509. This attracts budget-conscious buyers.

As a result, Ohio offers varied housing options to fit different budgets and lifestyles. Homebuyers and renters will find a stable real estate market with good opportunities.

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Utilities and Other Living Expenses in Ohio

Utility costs in Ohio are notably moderate, which helps keep overall expenses low. Monthly utilities average $204, about 19% below the national average. Electricity is the largest part of this bill.

Comparisons show:

• Indiana’s total utilities are higher at $406, with electric bills around $135–$150.
• Pennsylvania and Kentucky have similar or slightly higher utility costs than Ohio.

When it comes to food, groceries cost about $253.74 weekly. This is less than Illinois but a bit more than Indiana’s $239.11. Therefore, Ohio maintains competitive grocery prices.

Transportation adds to affordability. Gasoline costs $3.11 per gallon, lower than Pennsylvania and Illinois but higher than Indiana and Kentucky. Public transit costs are fairly consistent across metro areas.

Healthcare expenses in Ohio are 4% below the national average. However, insurance premiums are expected to rise about 18% in 2026. Kentucky has cheaper healthcare but faces Medicaid funding issues. Pennsylvania and Indiana’s healthcare costs remain close to Ohio’s.

Income and Job Market in Ohio

Ohio’s average hourly wage is $23.20, or about $48,262 annually. This income supports a comfortable middle-class lifestyle when balanced against living costs. Ohio’s wages are slightly lower than Pennsylvania’s ($24.77/hr) and Illinois’ ($24.50/hr), yet higher than Indiana and Kentucky.

Household incomes needed to live comfortably in Ohio reflect these wage numbers. Thus, Ohio offers competitive salaries that match regional costs well. This makes it a good place for workers seeking a balance between wages and expenses.

Is the Average Cost of Living in Ohio Worth It?

Ohio balances cost, quality of life, and economic opportunities well. Affordability in housing and utilities helps residents save more. Groceries are fairly priced, and healthcare costs remain reasonable despite upcoming premium increases.

Metro areas like Columbus, Cincinnati, and Cleveland give residents diverse living options. Cleveland is especially attractive for budget buyers. Meanwhile, Columbus and Cincinnati offer strong job markets and amenities.

Therefore, Ohio is a smart choice for middle-class families seeking value and stability.

Regional Insights

Newcomers often favor Ohio’s key cities:

• Columbus boasts a growing job market, with housing prices near the state median.
• Cincinnati offers similar housing costs and lively neighborhoods.
• Cleveland’s low home prices attract those with tighter budgets.

It’s important to consider these regional differences. Utilities, transportation, and healthcare costs vary. Watch insurance premium changes to plan your budget well.

Final Thought on Ohio’s Average Cost of Living

Ohio’s average cost of living in 2025 is about 8% below the national average. The state shines with affordable housing and lower utility bills. Meanwhile, grocery and healthcare costs are slightly higher but manageable.

Compared to neighboring states, Ohio holds a strong wage-to-cost ratio. This supports a stable lifestyle for middle-income families. Whether renting or buying, Ohio offers value unmatched by many peers. It remains a top Midwest choice for affordability and opportunity.

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