In 2025, what does it cost to live comfortably in Ohio? (study)
Posted By RichC on November 26, 2025
The cost to live comfortably in Ohio varies by household size, but it remains among the more affordable states nationwide (see UpgradedPoints). The new study using cost-of-living data and the 50/30/20 budgeting rule shows what families and individuals need to earn to maintain a comfortable yet sustainable lifestyle across Ohio in 2025.
What Does “Living Comfortably” Mean?
The study defines living comfortably as allocating income using the 50/30/20 rule: 50% to necessities (housing, groceries, transportation, healthcare), 30% to discretionary spending, and 20% to savings or debt repayment. This structure helps guide households to a balanced approach for both daily needs and future financial security.
Income Needed to Live Comfortably in Ohio
Here’s how much pretax annual income is required for varying household sizes in Ohio:
- Single adult: $85,137
- Two adults: $116,452
- Two adults, one child: $169,078
- Family of four: $204,062
Costs in Ohio are notably lower than national averages and those of coastal states. For comparison, a single adult nationally needs about $106,745, highlighting Ohio’s affordability.
Metro Area Highlights
Major metropolitan areas in Ohio also reflect affordable living costs:
- Cincinnati (includes parts of Kentucky and Indiana): $87,176 for a single adult, $212,636 for a family of four
- Columbus: $92,174 for a single adult, $215,222 for a family of four
- Cleveland: $86,711 for a single adult, $212,910 for a family of four
Why the Costs Are Lower
Several factors keep living costs down in Ohio:
- Housing is more affordable than high-cost markets like California or New York
- Daily expenses—such as groceries, gas, and healthcare—tend to be lower than the national average
- Family budgets may stretch further, allowing for savings and discretionary spending
Understanding the Data
The figures come from regional living expenses and median income data, adjusted for inflation to 2025 dollars. They serve as a benchmark for anyone relocating, changing jobs, or planning a future in Ohio, and illustrate why the state is considered one of the best places for families looking to maximize financial comfort.
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