Clayton 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 index9691100
Goods & Services index10496100
Groceries index10799100
Health care index9196100
Housing index8175100
Transportation index9695100
Utilities index101101100
A general overview of the cost of living index for Clayton, OH is displayed above. In Clayton, OH, the overall cost of living index is 96, which is 6% higher than the Ohio average and 4% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Clayton, OH, the city's goods and services are 8% higher than the Ohio average and 4% higher than the U.S. average.

Did you know?

  • The cost of living in Clayton is 6% higher than the Ohio average.
  • The cost of living in Clayton is 4% lower than the national average.
  • The cost of housing in Clayton is 19% 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 Clayton, 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 Clayton, OH, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Clayton, 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 Clayton, 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. Clayton, OH has a median income of about $71,432 for people who own homes. Based on that number, a person should spend a maximum of $1,667 on expenses related to housing. Renters have a slightly different median income, which is $26,754. Based on this average, renters should spend no more than $624 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)
The Ohio sales tax and Ohio income tax rates should definitely be considered when determining the overall cost of living in Clayton, OH. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Ohio sales tax is 5.75% and the maximum surtax is 8%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Ohio income tax rates range from 0.528% to 5.333%.

Goods & Services

ItemClaytonNational avg.Difference
Haircut $18.00$14.5923.3%
Beauty Salon $47.40$34.6836.7%
Toothpaste $2.87$2.4716.0%
Shampoo $1.25$1.0222.3%
Movie $11.63$9.8717.9%
Bowling $5.50$4.3925.2%


ItemClaytonNational avg.Difference
Ground Beef $5.49$4.4822.6%
Fried Chicken $1.91$1.4630.5%
Milk $2.29$2.362.8%
Potatoes $3.39$3.0610.7%
Pizza $8.39$9.249.2%
Beer $7.99$8.637.4%

Health Care

ItemClaytonNational avg.Difference
Optometrist $86.35$99.7813.5%
Doctor $78.50$105.0325.3%
Dentist $84.00$88.705.3%
Ibuprofen $9.01$9.414.3%
Lipitor $304.35$298.502.0%


ItemClaytonNational avg.Difference
Home Price $136,100.00$175,700.0022.5%
Avg. Mortgage Payment $811.81$1,081.0324.9%
Apartment Rent $825.00$920.0010.3%


ItemClaytonNational avg.Difference
Gasoline $2.02$2.093.3%
Tire Balancing $41.99$45.297.3%


ItemClaytonNational avg.Difference
All Electricity$144.29$170.8015.5%
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.
Drexel, OH1,87284-16%
Ithaca, OH15073-27%
Dayton, OH141,77686-14%
New Lebanon, OH4,02187-13%
Trotwood, OH24,32288-12%
Clayton, OH13,21296-4%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rantoul, IL13,21485-15%
Fergus Falls, MN13,21588-12%
Endicott, NY13,21689-11%
McPherson, KS13,20588-12%
Hobe Sound, FL13,20599-1%
Clayton, OH13,21296-4%
Source: The Clayton, OH cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.