2026 cost of living data for Cincinnati. Overall cost index: 82 (national avg = 100).
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Cincinnati is one of the most affordable major cities in the United States, with an overall cost of living index of 82. This means living in Cincinnati is approximately 18% less expensive than the national average.
Housing costs are significantly below the national average, making it an attractive option for homebuyers and renters alike. The housing index for Cincinnati is 72, which means housing costs are 28% below the national average. This includes both rental prices and home purchase costs in the metropolitan area.
The median household income in Cincinnati is $44,153, with a population of approximately 309,317. The median household income is below the national average, which can make the cost of living feel more impactful for many residents.
The job market in Cincinnati is solid, with steady growth in several key sectors and reasonable unemployment rates.
Beyond housing, daily expenses in Cincinnati are below the national average. Groceries and dining carry an index of 92, while transportation costs sit at 92. Healthcare expenses index at 92, and utilities come in at 86.
Taxes in Cincinnati are roughly average, with a tax index of 95.
The weather in Cincinnati is typical for its region, with distinct seasons and moderate conditions for most of the year.
Like many major cities, Cincinnati faces some safety challenges, though many neighborhoods remain safe and vibrant communities.
Cincinnati offers strong value for those looking to stretch their dollar further without sacrificing too much in terms of amenities and opportunities. With a good job market and fair weather, Cincinnati continues to attract new residents drawn by the favorable cost of living.
