C
17%
Overall NAT. AVG.
2%
Goods & Services NAT. AVG.
52%
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 Blue Ash Ohio National
Cost of living11792100
Goods & Services102100100
Groceries102101100
Health care10398100
Housing15273100
Transportation102100100
Utilities10099100

An Overview of Cost of Living in Blue Ash, OH

The cost of living in Blue Ash affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Blue Ash is 117, which is 17% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Housing costs are a very significant part of the Blue Ash cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 51.6% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.

Is Blue Ash Affordable?

Is Blue Ash affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Blue Ash, the median home price is 62.6% higher than the national average and monthly rent prices are 26% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Blue Ash boasting a median household income of $97,192, 75.7% higher than the national average.

What Factors can Influence the Cost of Living in Blue Ash?

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Blue Ash, the housing index is 51.6% higher than the national average.

Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Blue Ash, the baseline sales tax rate begins at 5.75%, and income tax rates start at 0%.

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Where is the Data From?

The cost of living data in Blue Ash displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Blue Ash is 27% higher than the Ohio average
  • The cost of living in Blue Ash is 17% higher than the national average
  • Blue Ash housing is 52% higher than the national average
  • Ohio general sales tax is 13% higher than the national average
  • Ohio state income tax is 6% higher than the national average

Most Affordable Places to Live in and Around Blue Ash

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Compare Blue Ash, OH 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$117,426$9,786$2,740$3,523
      Renters$81,563$6,797$1,903$2,447
      A good indicator of the general affordability of housing in Blue Ash, OH, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Blue Ash, the median monthly income is $117,426 for those who own their own homes. Under the standard rule, that income level would allow for $2,740 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $81,563, per the median income in the area. That would allow for renters to spend up to $1,903 on monthly rental expenses.

      Ohio Sales Tax

      State General Sales Tax With Max Surtax
      Ohio 5.75% 8%

      Ohio Income Tax

      State Income Tax (Low) Income Tax (High)
      Ohio 2.76% 3.99%

      Goods & Services

      Item Blue Ash National avg. Difference
      Haircut $25.13$24.263.6%
      Beauty Salon $37.93$45.5616.7%
      Toothpaste $3.60$3.702.7%
      Shampoo $1.27$1.280.6%
      Movie $14.35$12.1318.3%
      Bowling $17.56$18.002.5%

      Groceries

      Item Blue Ash National avg. Difference
      Ground Beef $5.91$5.841.2%
      Fried Chicken $1.72$1.579.1%
      Milk $4.80$4.672.7%
      Potatoes $5.05$4.932.3%
      Pizza $11.92$12.091.4%
      Beer $10.63$10.412.1%

      Health Care

      Item Blue Ash National avg. Difference
      Optometrist $105.42$125.6816.1%
      Doctor $159.40$135.7817.4%
      Dentist $106.67$113.295.8%
      Ibuprofen $10.68$10.650.3%
      Lipitor $497.02$468.606.1%

      Housing

      Item Blue Ash National avg. Difference
      Home Price $300,300.00$184,700.0062.6%
      Avg. Mortgage Payment $1,993.26$2,346.6915.1%
      Apartment Rent $1,196.00$949.0026.0%

      Transportation

      Item Blue Ash National avg. Difference
      Gasoline $3.27$3.465.6%
      Tire Balancing $73.09$59.9222.0%

      Utilities

      Item Blue Ash National avg. Difference
      All Electricity $197.10$193.991.6%
      Phone $186.48$192.253.0%
      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.
      Plainville, OH1531021.7%
      Dillonvale village, OH6458316.6%
      Elmwood Place, OH2,0718416.4%
      Arlington Heights, OH8278514.7%
      Lincoln Heights, OH3,3598613.8%
      Blue Ash, OH12,41711716.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Derby, CT12,4201109.7%
      North St. Paul, MN12,4211032.8%
      Brock, ON12,406n/a 
      West Monroe, LA12,4318316.7%
      Markham, IL12,401963.9%
      Blue Ash, OH12,41711716.7%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.