Bluffton cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBlufftonOhioNational
Cost of living index9091100
IndexBlufftonOhioNational
Goods & Services index9799100
Groceries index95101100
Health care index10695100
Housing index7375100
Transportation index102101100
Utilities index9591100
Displayed above is a general overview of the Bluffton, OH cost of living index. The overall cost of living index in Bluffton, OH is 90, which is 2% lower than the Ohio average and 10% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Bluffton, OH are 2% lower than the Ohio average and 3% lower than the national average.

Did you know?

  • The cost of living in Bluffton is 2% lower than the Ohio average.
  • The cost of living in Bluffton is 10% lower than the national average.
  • The cost of housing in Bluffton is 27% lower than the national average.
  • Ohio general sales tax is 13% higher than the national average.
  • Ohio state income tax is 76% lower than the national average.

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Compare Bluffton, OH Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Bluffton, OH to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Bluffton, OH, then you would need to earn more income in order to maintain the same standard of living. To use the Bluffton, OH salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$75,278$6,273$1,756$2,259
Renters$25,581$2,132$597$768
One can approximate the cost of living and the housing affordability in Bluffton, OH by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Bluffton, OH have a median income of $75,278. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,756 per month to avoid calamity and poverty. The renters in the city have an income of about $25,581, which would make their monthly maximum allowable rental costs $597.

Ohio Sales Tax

StateGeneral Sales TaxWith Max Surtax
Ohio5.75%8%

Ohio Income Tax

StateIncome Tax (Low)Income Tax (High)
Ohio0.528%5.333%
For those who live in Bluffton, OH and want to know what the true cost of living is, they ought to look at both the Ohio income tax rate and the Ohio sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Ohio, the sales tax is 5.75%, while the most you'll pay in surtax is 8%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Ohio, the income tax rate ranges between 0.528% to 5.333%.

Goods & Services

ItemBlufftonNational avg.Difference
Haircut $11.80$15.5624.2%
Beauty Salon $32.20$36.1110.8%
Toothpaste $2.38$2.473.7%
Shampoo $0.93$0.963.3%
Movie $11.20$10.1310.6%
Bowling $3.50$4.7426.1%

Groceries

ItemBlufftonNational avg.Difference
Ground Beef $3.23$3.9818.8%
Fried Chicken $1.50$1.416.6%
Milk $1.53$2.0625.7%
Potatoes $2.65$2.9811.1%
Pizza $8.99$9.475.1%
Beer $7.91$8.7910.1%

Health Care

ItemBlufftonNational avg.Difference
Optometrist $99.08$101.041.9%
Doctor $88.44$107.4417.7%
Dentist $116.60$90.4229.0%
Ibuprofen $9.49$9.282.3%
Lipitor $413.16$426.503.1%

Housing

ItemBlufftonNational avg.Difference
Home Price $133,900.00$175,700.0023.8%
Avg. Mortgage Payment $913.54$1,133.2319.4%
Apartment Rent $591.00$920.0035.8%

Transportation

ItemBlufftonNational avg.Difference
Gasoline $1.95$1.992.1%
Tire Balancing $50.63$45.7610.6%

Utilities

ItemBlufftonNational avg.Difference
All Electricity$142.02$163.8113.3%
Phone $30.62$28.397.9%
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, StatePopulationCost of Living IndexNational Avg.
Dola, OH7477-23%
Alger, OH91080-20%
McGuffey, OH50981-19%
Vaughnsville, OH23181-19%
Dunkirk, OH1,05485-15%
Bluffton, OH4,15790-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Suquamish, WA4,15812828%
Montgomery, NY4,15911616%
French Camp, CA4,155100-0%
Sunnyside, CA4,15911616%
China Grove, NC4,15584-16%
Bluffton, OH4,15790-10%
Source: The Bluffton, OH cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.