Cost Of Living in Moraine, OH

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	Moraine	Ohio	National
Cost of living	88	92	100
Goods & Services	100	100	100
Groceries	101	101	100
Health care	107	98	100
Housing	61	73	100
Transportation	95	100	100
Utilities	102	99	100

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Cost Of Living Quick Facts

The cost of living in Moraine is 4% lower than the Ohio average
The cost of living in Moraine is 12% lower than the national average
Moraine housing is 39% 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

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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	$61,364	$5,114	$1,432	$1,841
Renters	$27,162	$2,264	$634	$815

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Moraine, OH, 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 Moraine, homeowners have a median income of $61,364. Using that number, a maximum of $1,432 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $27,162, which means there is a maximum of $634 to be spent on the costs of renting a home or apartment.

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	Moraine	National avg.	Difference
Haircut	$21.00	$24.26	13.4%
Beauty Salon	$43.31	$45.56	4.9%
Toothpaste	$3.57	$3.70	3.5%
Shampoo	$1.30	$1.28	1.5%
Movie	$12.84	$12.13	5.8%
Bowling	$16.32	$18.00	9.3%

Groceries

Item	Moraine	National avg.	Difference
Ground Beef	$6.04	$5.84	3.4%
Fried Chicken	$1.69	$1.57	7.2%
Milk	$4.78	$4.67	2.2%
Potatoes	$5.19	$4.93	5.1%
Pizza	$13.11	$12.09	8.5%
Beer	$10.57	$10.41	1.6%

Health Care

Item	Moraine	National avg.	Difference
Optometrist	$108.50	$125.68	13.7%
Doctor	$152.25	$135.78	12.1%
Dentist	$122.07	$113.29	7.7%
Ibuprofen	$10.62	$10.65	0.3%
Lipitor	$511.48	$468.60	9.2%

Housing

Item	Moraine	National avg.	Difference
Home Price	$97,200.00	$184,700.00	47.4%
Avg. Mortgage Payment	$1,810.14	$2,346.69	22.9%
Apartment Rent	$776.00	$949.00	18.2%

Transportation

Item	Moraine	National avg.	Difference
Gasoline	$3.24	$3.46	6.3%
Tire Balancing	$58.06	$59.92	3.1%

Utilities

Item	Moraine	National avg.	Difference
All Electricity	$202.76	$193.99	4.5%
Phone	$186.57	$192.25	3.0%

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.
Centerville village, OH	69	81	18.9%
Drexel, OH	2,320	82	18.4%
Highland Holiday, OH	677	82	18.0%
Dayton, OH	140,444	85	15.2%
Trotwood, OH	24,410	86	14.1%
Moraine, OH	6,494	88	11.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Irvington, NY	6,494	172	72.4%
Ambler, PA	6,494	117	17.3%
Peace River D, BC	6,494	n/a
Thermalito, CA	6,495	106	6.4%
Prospect Park, PA	6,495	104	4.4%
Moraine, OH	6,494	88	11.5%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Moraine, OH