Cambridge 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.
Cost of living index8091100
Goods & Services index8796100
Groceries index9799100
Health care index9196100
Housing index5375100
Transportation index9895100
Utilities index98101100
Here we can see a simple outline of the cost of living in Cambridge, OH. As you can see, with the average cost of living in Cambridge, OH being 80, that puts it 12% lower than the average of Ohio and 20% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Cambridge, OH, the price of goods and services are 10% lower than the average of Ohio as well as 13% lower than the nation's average.

Did you know?

  • The cost of living in Cambridge is 12% lower than the Ohio average.
  • The cost of living in Cambridge is 20% lower than the national average.
  • The cost of housing in Cambridge is 47% 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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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
The salary calculator is used in order to provide a comparison of your current salary in Cambridge, OH to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Cambridge, OH, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Cambridge, OH salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Cambridge, OH, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Cambridge, OH has a median income of about $44,258 for people who own homes. Based on that number, a person should spend a maximum of $1,033 on expenses related to housing. Renters have a slightly different median income, which is $19,276. Based on this average, renters should spend no more than $450 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Ohio Sales Tax

StateGeneral Sales TaxWith Max Surtax

Ohio Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Cambridge, OH, it's important to take into account the sales tax for Ohio, as well as the rate for income tax in Ohio. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Ohio is 8%, and the sales tax in the state of Ohio is 5.75%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Ohio starts from 0.528% and goes up to 5.333%.

Goods & Services

ItemCambridgeNational avg.Difference
Haircut $11.80$14.5919.1%
Beauty Salon $31.75$34.688.4%
Toothpaste $2.47$2.470.1%
Shampoo $1.20$1.0217.4%
Movie $8.38$9.8715.1%
Bowling $3.00$4.3931.7%


ItemCambridgeNational avg.Difference
Ground Beef $3.83$4.4814.4%
Fried Chicken $1.39$1.465.1%
Milk $2.21$2.366.2%
Potatoes $2.23$3.0627.2%
Pizza $9.00$9.242.6%
Beer $7.99$8.637.4%

Health Care

ItemCambridgeNational avg.Difference
Optometrist $92.00$99.787.8%
Doctor $87.67$105.0316.5%
Dentist $74.75$88.7015.7%
Ibuprofen $8.31$9.4111.7%
Lipitor $324.05$298.508.6%


ItemCambridgeNational avg.Difference
Home Price $84,800.00$175,700.0051.7%
Avg. Mortgage Payment $627.79$1,081.0341.9%
Apartment Rent $574.00$920.0037.6%


ItemCambridgeNational avg.Difference
Gasoline $1.98$2.095.5%
Tire Balancing $48.33$45.296.7%


ItemCambridgeNational avg.Difference
All Electricity$136.21$170.8020.3%
Phone $34.95$28.2623.7%
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.
Kimbolton, OH12992-8%
Buffalo, OH30474-26%
Cumberland, OH36779-21%
Lore City, OH28983-17%
Plainfield, OH16978-22%
Cambridge, OH10,55880-20%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Newman, CA10,5531022%
Trinity, FL10,55011414%
Sauk Village, IL10,54591-9%
Big Rapids, MI10,54384-16%
Struthers, OH10,57476-24%
Cambridge, OH10,55880-20%
Source: The Cambridge, OH cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.