A+
7%
Overall NAT. AVG.
0%
Goods & Services NAT. AVG.
23%
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 Huber Heights Ohio National
Cost of living9392100
Goods & Services100100100
Groceries101101100
Health care10798100
Housing7773100
Transportation95100100
Utilities10299100

An Overview of Cost of Living in Huber Heights, OH

Understanding the cost of living in Huber Heights can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Huber Heights cost of living index is 93, which is 7% lower than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

Everyday expenditures like food, housing, goods and services, transportation and health care in Huber Heights are priced in a manner consistent with other areas. This means that residents of Huber Heights can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

Is Huber Heights Affordable?

Is Huber Heights an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Huber Heights, the median home price is 34.3% lower than what most folks pay across the country, and monthly rent prices are 1.8% higher than the usual rates. Income levels in Huber Heights come in at $66,134, which is 19.5% higher than the national average.

What Factors can Influence the Cost of Living in Huber Heights?

Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday goods and services like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Huber Heights starts at 5.75% and the income tax rates start at 0%.

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Huber Heights, the housing index stands at 23.5% lower than the national average.

Where is the Data From?

The cost of living data in Huber Heights 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 Huber Heights is 1% higher than the Ohio average
  • The cost of living in Huber Heights is 7% lower than the national average
  • Huber Heights housing is 23% lower 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 Huber Heights

See all the best places to live around Huber Heights

Compare Huber Heights, 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$75,040$6,253$1,751$2,251
      Renters$42,628$3,552$995$1,279
      A good indicator of the general affordability of housing in Huber Heights, 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 Huber Heights, the median monthly income is $75,040 for those who own their own homes. Under the standard rule, that income level would allow for $1,751 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $42,628, per the median income in the area. That would allow for renters to spend up to $995 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 Huber Heights National avg. Difference
      Haircut $21.00$24.2613.4%
      Beauty Salon $43.31$45.564.9%
      Toothpaste $3.57$3.703.5%
      Shampoo $1.30$1.281.5%
      Movie $12.84$12.135.8%
      Bowling $16.32$18.009.3%

      Groceries

      Item Huber Heights National avg. Difference
      Ground Beef $6.04$5.843.4%
      Fried Chicken $1.69$1.577.2%
      Milk $4.78$4.672.2%
      Potatoes $5.19$4.935.1%
      Pizza $13.11$12.098.5%
      Beer $10.57$10.411.6%

      Health Care

      Item Huber Heights National avg. Difference
      Optometrist $108.50$125.6813.7%
      Doctor $152.25$135.7812.1%
      Dentist $122.07$113.297.7%
      Ibuprofen $10.62$10.650.3%
      Lipitor $511.48$468.609.2%

      Housing

      Item Huber Heights National avg. Difference
      Home Price $121,300.00$184,700.0034.3%
      Avg. Mortgage Payment $1,810.14$2,346.6922.9%
      Apartment Rent $966.00$949.001.8%

      Transportation

      Item Huber Heights National avg. Difference
      Gasoline $3.24$3.466.3%
      Tire Balancing $58.06$59.923.1%

      Utilities

      Item Huber Heights National avg. Difference
      All Electricity $202.76$193.994.5%
      Phone $186.57$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.
      Drexel, OH2,3208218.4%
      Highland Holiday, OH6778218.0%
      Dayton, OH140,4448515.2%
      Trotwood, OH24,4108614.1%
      Casstown, OH2098613.9%
      Huber Heights, OH40,465937.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Covington, KY40,466928.3%
      Westerville, OH40,4431054.6%
      New Tecumseth, ON40,488n/a 
      Lancaster, OH40,4388910.8%
      Wentzville, MO40,4071022.4%
      Huber Heights, OH40,465937.0%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.