St. Marys 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.
IndexSt. MarysOhioNational
Cost of living index8991100
IndexSt. MarysOhioNational
Goods & Services index9896100
Groceries index10699100
Health care index10996100
Housing index6175100
Transportation index9695100
Utilities index109101100
Displayed above is a general overview of the St. Marys, OH cost of living index. The overall cost of living index in St. Marys, OH is 89, which is 2% lower than the Ohio average and 11% 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 St. Marys, OH are 2% higher than the Ohio average and 3% lower than the national average.

Did you know?

  • The cost of living in St. Marys is 2% lower than the Ohio average.
  • The cost of living in St. Marys is 11% lower than the national average.
  • The cost of housing in St. Marys is 39% 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 St. Marys, OH Cost of living To Other Cities

Salary Calculator

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Using the salary calculator lets you compare the salary you earn in St. Marys, OH to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in St. Marys, OH, you have to earn a higher income in order to still have the same standard of living. To operate the St. Marys, OH salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$54,688$4,557$1,276$1,641
Renters$28,544$2,379$666$856
The affordability of the housing market in St. Marys, OH as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among St. Marys, OH homeowners, the median income is $54,688. This indicates that a monthly maximum of $1,276 should be spent by homeowners on all housing related costs. Renters have a median income of $28,544. This indicates that renters should have a maximum of $666 used for their rent related monthly costs.

Ohio Sales Tax

StateGeneral Sales TaxWith Max Surtax
Ohio5.75%8%

Ohio Income Tax

StateIncome Tax (Low)Income Tax (High)
Ohio0.528%5.333%
One thing to keep in mind when considering the cost of living in St. Marys, OH is the Ohio sales tax and Ohio income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Ohio sales tax rate is 5.75% and the maximum surtax that can be charged is 8%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Ohio income tax rates range from 0.528% to 5.333%.

Goods & Services

ItemSt. MarysNational avg.Difference
Haircut $12.00$14.5917.8%
Beauty Salon $26.90$34.6822.4%
Toothpaste $2.21$2.4710.6%
Shampoo $1.11$1.028.6%
Movie $11.00$9.8711.5%
Bowling $3.73$4.3915.1%

Groceries

ItemSt. MarysNational avg.Difference
Ground Beef $4.35$4.482.8%
Fried Chicken $1.37$1.466.4%
Milk $2.42$2.362.7%
Potatoes $2.74$3.0610.5%
Pizza $8.99$9.242.7%
Beer $8.24$8.634.6%

Health Care

ItemSt. MarysNational avg.Difference
Optometrist $85.67$99.7814.1%
Doctor $88.50$105.0315.7%
Dentist $116.25$88.7031.1%
Ibuprofen $9.65$9.412.5%
Lipitor $329.32$298.5010.3%

Housing

ItemSt. MarysNational avg.Difference
Home Price $100,100.00$175,700.0043.0%
Avg. Mortgage Payment $899.00$1,081.0316.8%
Apartment Rent $644.00$920.0030.0%

Transportation

ItemSt. MarysNational avg.Difference
Gasoline $1.96$2.096.2%
Tire Balancing $46.92$45.293.6%

Utilities

ItemSt. MarysNational avg.Difference
All Electricity$190.55$170.8011.6%
Phone $29.95$28.266.0%
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.
Elgin, OH4084-16%
New Weston, OH7473-27%
Montezuma, OH18785-15%
Lima, OH38,43285-15%
Spencerville, OH2,06485-15%
St. Marys, OH8,19389-11%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Wytheville, VA8,19394-6%
Cumberland Hill, RI8,19412121%
Hillside, IL8,1921033%
Citrus Hills, FL8,1911055%
Union, SC8,19188-12%
St. Marys, OH8,19389-11%
Source: The St. Marys, OH cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.