F
36%
Overall NAT. AVG.
4%
Goods & Services NAT. AVG.
113%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Ashland Oregon National
Cost of living136111100
Goods & Services104105100
Groceries107109100
Health care101105100
Housing213123100
Transportation107117100
Utilities9696100

An Overview of Cost of Living in Ashland, OR

Getting a feel for the cost of living in Ashland is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Ashland is 136, which is 36% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

If you're in pursuit of an economical living environment, Ashland may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Ashland falls within this bracket.

When it comes to the cost of living in Ashland, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 112.8% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

What Do Locals Say About the Cost of Living in Ashland?

The most insightful perspective on a city comes from its residents. We recently surveyed 10 locals to gauge their perception of the cost of living in Ashland. The feedback revealed that 30% of respondents found the cost of living to be reasonable, with prices on the decline, while 70% regarded it as notably expensive with prices that continue to rise.

Is Ashland Affordable?

Wondering if Ashland is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Ashland, for example, the median home price is 154.1% higher than what folks pay nationally, and monthly rent is 16.2% higher than the usual rates. Plus, income levels matter too, with Ashland boasting a median household income of $58,364, which is 5.5% higher than the national average.

What Factors can Influence the Cost of Living in Ashland?

Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Ashland, the healthcare costs are 0.9% higher than the national average.

Taxes: Cities that impose higher taxes, including sales and income taxes, can contribute to an escalated cost of living. The added expense of taxes on everyday goods like clothing and food naturally results in higher overall costs. Similarly, a higher income tax rate can further elevate the cost of living. In Ashland, the general sales tax rate starts at 0%, and income tax rates begin at 4.75%.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Ashland, the groceries index is 7% higher than the national average.

Where is the Data From?

The cost of living in Ashland, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Ashland is 22% higher than the Oregon average
  • The cost of living in Ashland is 36% higher than the national average
  • Ashland housing is 113% higher than the national average
  • Oregon general sales tax is 100% lower than the national average
  • Oregon state income tax is 83% higher than the national average

Most Affordable Places to Live in and Around Ashland

See all the best places to live around Ashland

Compare Ashland, OR Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$87,917$7,326$2,051$2,638
      Renters$31,068$2,589$725$932
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ashland, OR, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Ashland, homeowners have a median income of $87,917. Using that number, a maximum of $2,051 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $31,068, which means there is a maximum of $725 to be spent on the costs of renting a home or apartment.

      Oregon Sales Tax

      State General Sales Tax With Max Surtax
      Oregon 0% 0%

      Oregon Income Tax

      State Income Tax (Low) Income Tax (High)
      Oregon 4.75% 9.9%

      Goods & Services

      Item Ashland National avg. Difference
      Haircut $27.36$24.2612.8%
      Beauty Salon $43.93$45.563.6%
      Toothpaste $3.77$3.701.9%
      Shampoo $1.52$1.2818.4%
      Movie $11.07$12.138.8%
      Bowling $19.22$18.006.8%

      Groceries

      Item Ashland National avg. Difference
      Ground Beef $5.60$5.844.1%
      Fried Chicken $2.03$1.5728.8%
      Milk $4.82$4.673.2%
      Potatoes $4.42$4.9310.5%
      Pizza $12.91$12.096.8%
      Beer $12.06$10.4115.8%

      Health Care

      Item Ashland National avg. Difference
      Optometrist $128.83$125.682.5%
      Doctor $133.80$135.781.5%
      Dentist $129.67$113.2914.5%
      Ibuprofen $11.33$10.656.4%
      Lipitor $359.57$468.6023.3%

      Housing

      Item Ashland National avg. Difference
      Home Price $469,400.00$184,700.00154.1%
      Avg. Mortgage Payment $3,144.31$2,346.6934.0%
      Apartment Rent $1,103.00$949.0016.2%

      Transportation

      Item Ashland National avg. Difference
      Gasoline $4.01$3.4615.9%
      Tire Balancing $50.89$59.9215.1%

      Utilities

      Item Ashland National avg. Difference
      All Electricity $184.23$193.995.0%
      Phone $184.96$192.253.8%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Phoenix, OR4,6241043.8%
      Talent, OR6,5531088.1%
      Medford, OR82,09811413.9%
      Central Point, OR18,64811515.5%
      Jacksonville, OR2,88313635.5%
      Ashland, OR21,13813636.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Saint-Augustin-de-Desmaures, QC21,143n/a 
      Arnold, MO21,144946.2%
      Covington, WA21,13114140.7%
      Easley, SC21,149954.7%
      Piqua, OH21,1598812.4%
      Ashland, OR21,13813636.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.