Overall
95.4
Below avg
Metro cost profile · 2024 BEA RPP
Cincinnati, OH-KY-IN
Cost-of-living indicators for Cincinnati, OH-KY-IN, from Bureau of Economic Analysis Regional Price Parities, overall, goods, services, and rents vs the U.S. average of 100.
- 95.4
- Overall RPP
- #161
- of 387 metros
- 87.6
- Rents RPP
- $105K
- $100K national buys
Cincinnati ranks #161 of 387 U.S. metros by cost, and its overall price index has held steady since 2008.
- stable since 2008
- similar cost to Gettysburg
The verdict
Cincinnati costs less than 42% of U.S. metros, an overall index of 95.4, 4.6% below the national average, with rents the biggest swing at 87.6.
- bottom 58%
- by overall cost, nationwide
- 93.8
- goods RPP, tradable items
- 91.0
- services RPP, labor-priced
A $100,000 national salary carries the purchasing power of about $104,855 here; matching a $100K lifestyle takes roughly $95,370.
RPP History (2008-2024)
The cost of living has remained relatively stable, changing by only 1.7 points over this period. The largest single-year move was in 2016, when the index jumped 1.8 points from the year before, a bigger swing than the full 2008-2024 change.
Cincinnati overall RPP, 2008-2024
Every year on record, national average = 100
| Year | Overall |
|---|---|
| 2008 | 97.1 |
| 2009 | 96.5 |
| 2010 | 94.7 |
| 2011 | 93.2 |
| 2012 | 93.4 |
| 2013 | 93.8 |
| 2014 | 92.9 |
| 2015 | 91.8 |
| 2016 | 93.7 |
| 2017 | 93.9 |
| 2018 | 94.4 |
| 2019 | 94.9 |
| 2020 | 93.9 |
| 2021 | 94.2 |
| 2022 | 93.6 |
| 2023 | 94.2 |
| 2024 | 95.4 |
Latest BEA release change
What changed from 2023 to 2024
Cincinnati's overall RPP rose +1.1 points, from 94.2 in 2023 to 95.4 in 2024. The largest category movement was rents, changing from 83.8 to 87.6. This is a relative change against the national benchmark, not a household's dollar bill.
Salary Equivalent
A $100,000 salary at the national average cost of living equals:
$95,370
in Cincinnati, OH-KY-IN purchasing power
$50,000 nationally
$47,685
$75,000 nationally
$71,528
$125,000 nationally
$119,213
$150,000 nationally
$143,055
$200,000 nationally
$190,740
Use the salary calculator for custom amounts.
Affordability score
D
38/100
How far the median local paycheck goes here, combining income and housing cost
Purchasing power
Not reported
Housing affordability D
38th percentile
A weighted composite (60% purchasing power, 40% housing affordability) percentile-ranked against every other tracked metro; a missing input redistributes its weight rather than deflating the score. Sources: Census ACS 5-Year 2023 (income) + BEA Regional Price Parities 2024 (cost). Vintages differ by design; see methodology.
Housing-led affordability profile
How Cincinnati's cost structure works
Housing is the strongest affordability offset in Cincinnati: rents index at 87.6, the component furthest below the national benchmark. That does not make every local expense low, but it is the clearest explanation for the metro's overall RPP of 95.4.
Across all reported metros, the closest component-profile matches are Kansas City, MO-KS, Grand Rapids-Wyoming-Kentwood, MI, Savannah, GA. They resemble Cincinnati across goods, services, and rents together, so they are stronger structure peers than a place selected only because its overall RPP happens to be nearby.
Across 2008-2024, Cincinnati's overall index has stayed within 1.7 points. This is a relative price-level history, not a prediction or a personal affordability recommendation; pair it with current local wages and housing options before making a decision.
Cincinnati vs every U.S. metro
Where this metro sits in the national cost distribution
95 Top 42% higher than 58% of 387 US metros
Each bar is a band; taller bars hold more US metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Bureau of Economic Analysis, Regional Price Parities · 2024
Cincinnati cost breakdown
BEA RPP by category, 100 = national average
- Rents
Rents
87.6 RPP
- Services
Services
91 RPP
- Overall
Overall
95.4 RPP
- Goods
Goods
93.8 RPP
What this shows Cincinnati's cost structure is housing-led: rents at 87.6 depart furthest from 100, while services sits at 91.0. This is a rent-sensitive profile, not a claim that every local expense moves together.
Goods vs. housing, where Cincinnati's cost comes from
Metros near Cincinnati's overall cost, plotted by their goods price (horizontal) and housing price (vertical). Same headline RPP, very different structures.
Read the chart as text
- Cincinnati (Cincinnati, this metro): goods RPP 93.8, rents RPP 87.6
- Gettysburg: goods RPP 100.7, rents RPP 73.9
- Columbus: goods RPP 93.6, rents RPP 87.9
- Grand Junction: goods RPP 96.1, rents RPP 86.4
- Ocala: goods RPP 96.2, rents RPP 86.2
- Savannah: goods RPP 96.3, rents RPP 86
- Yakima: goods RPP 105, rents RPP 72.6
Price Index Summary
Goods
93.8
Below avg
Services
91.0
Below avg
Rents
87.6
Cheap
OH-relative analysis
Services prices places Cincinnati, OH-KY-IN near the bottom of OH's metros
Among the 12 OH metros PlainCost tracks with reported services prices data, Cincinnati, OH-KY-IN ranks #12 - the 0th percentile within the state. This is a different, narrower cut than the nationwide rank above: it compares Cincinnati, OH-KY-IN only against its own state's metros, not the full US field.
Goods prices
#1 of 12
92nd percentile in OH
Services prices
#12 of 12
0th percentile in OH
Rent prices
#2 of 12
83rd percentile in OH
Ranked by raw value (highest first); a higher rank is not automatically "more expensive is worse", see the national comparison above for direction context. This is a comparison within OH only, not a livability score.
Nationwide metros with similar overall cost or rent prices
Two BEA RPP-derived peer sets for Cincinnati, OH-KY-IN: nearest metros by overall regional price parity and by rents RPP. These are cross-state neighborhoods, not the in-state metro list below.
Similar overall RPP
Nearest metros by overall regional price parity (95.4 here).
Similar rents RPP
Nearest metros by rents regional price parity (87.6 here).
Other OH Metros
Columbus, OH 95.5 Cleveland, OH 93.9 Akron, OH 93.4 Dayton-Kettering-Beavercreek, OH 92.7 Toledo, OH 91.5 Springfield, OH 90.5
View all OH metros → Cheapest in OH → Most expensive in OH →
Metros with Similar Cost of Living
These metros have an overall RPP closest to Cincinnati, OH-KY-IN's index of 95.4.
Showing the 6 closest of 387 metro areas tracked nationally.
Decision peers
Metros with a similar cost mix
These metros are closest to Cincinnati's combined goods, services, and rents profile. They may not have the same overall RPP, but their price pressures are shaped in a similar way.
Kansas City, MO-KS
Goods 94.1 · Services 89.0 · Rents 86.6 Grand Rapids-Wyoming-Kentwood, MI
Goods 93.7 · Services 93.8 · Rents 86.6 Savannah, GA
Goods 96.3 · Services 88.6 · Rents 86.0 Winchester, VA-WV
Goods 96.7 · Services 89.7 · Rents 90.0 Racine-Mount Pleasant, WI
Goods 93.8 · Services 90.0 · Rents 92.0 Columbus, OH
Goods 93.6 · Services 95.5 · Rents 87.9
Shareable data card
Take this cost snapshot with you
Download the data card or share this exact metro record. The card uses the same BEA-derived values shown above.
Compare to Other Metros
Cost of living guides →, cheapest and most-expensive metro rankings, salary negotiation with RPP data, and step-by-step comparison walkthroughs.
What this means for Cincinnati
How to read Cincinnati's cost of living before a move, a job offer, or a budget.
- Budget to local prices, not headline pay, a $100K national salary spends like about $104,855 in Cincinnati. Salary calculator
- Start with rents: it indexes at 87.6, the largest departure from the national benchmark in this metro's BEA cost mix. Compare it with the other components before treating the overall RPP as a complete household budget.
- Compare Cincinnati head-to-head against a specific destination before you decide. Compare metros
RPP is BEA's annual price-level benchmark for the data year shown, not a live market quote. Pair it with current local wages and housing costs before deciding.
Frequently Asked Questions
What is the cost of living in Cincinnati, OH-KY-IN?
Cincinnati, OH-KY-IN has a Regional Price Parity (RPP) index of 95.4, meaning it is 4.6% less expensive than the national average. Goods are indexed at 93.8, services at 91.0, and rents at 87.6. It ranks #161 out of 387 U.S. metro areas by overall cost.
What salary do I need in Cincinnati, OH-KY-IN to match $100K nationally?
To maintain the same purchasing power as a $100,000 salary at the national average, you would need approximately $95,370 in Cincinnati, OH-KY-IN. Conversely, $100K earned in Cincinnati, OH-KY-IN has the purchasing power of $104,855 at the national average.
How expensive is rent in Cincinnati, OH-KY-IN?
Rents in Cincinnati, OH-KY-IN are indexed at 87.6, which is 12.4% below the national average. This makes the area relatively affordable for renters.
Is Cincinnati, OH-KY-IN getting more expensive?
From 2008 to 2024, Cincinnati, OH-KY-IN's overall cost index changed by -1.7 points (from 97.1 to 95.4). The cost of living has remained relatively stable.
What costs the most in Cincinnati, OH-KY-IN?
The priciest category in Cincinnati, OH-KY-IN is goods at 93.8, 6.2% below the national average, still the highest of the three categories. The most affordable category is rents at 87.6, 12.4% below average.
What metros have a similar cost of living to Cincinnati, OH-KY-IN?
Metros with the most similar overall cost index include Gettysburg, Columbus, Grand Junction. These areas have RPP values within a few points of Cincinnati, OH-KY-IN's 95.4.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.