Urbana 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.
IndexUrbanaOhioNational
Cost of living index9091100
IndexUrbanaOhioNational
Goods & Services index10496100
Groceries index10799100
Health care index9196100
Housing index6175100
Transportation index9695100
Utilities index101101100
A general overview of the cost of living index for Urbana, OH is displayed above. In Urbana, OH, the overall cost of living index is 90, which is 1% lower than the Ohio average and 10% 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 Urbana, 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 Urbana is 1% lower than the Ohio average.
  • The cost of living in Urbana is 10% lower than the national average.
  • The cost of housing in Urbana 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 Urbana, OH Cost of living To Other Cities

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 Urbana, 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 Urbana, OH, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Urbana, 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)
Owners$50,533$4,211$1,179$1,516
Renters$25,167$2,097$587$755
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Urbana, OH, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Urbana, OH homeowners have a median income of $50,533. Using that number, you will come up with a maximum of $1,179 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $25,167, which means there is a maximum of $587 to be spent on the costs of renting a home or apartment.

Ohio Sales Tax

StateGeneral Sales TaxWith Max Surtax
Ohio5.75%8%

Ohio Income Tax

StateIncome Tax (Low)Income Tax (High)
Ohio0.528%5.333%
The Ohio sales tax and Ohio income tax rates should definitely be considered when determining the overall cost of living in Urbana, 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

ItemUrbanaNational 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%

Groceries

ItemUrbanaNational 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

ItemUrbanaNational 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%

Housing

ItemUrbanaNational avg.Difference
Home Price $98,600.00$175,700.0043.9%
Avg. Mortgage Payment $811.81$1,081.0324.9%
Apartment Rent $677.00$920.0026.4%

Transportation

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

Utilities

ItemUrbanaNational 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.
Valley Hi, OH30284-16%
Quincy, OH61284-16%
Rosewood, OH33287-13%
Springfield, OH60,21687-13%
Catawba, OH38682-18%
Urbana, OH11,58790-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Kingsburg, CA11,5821099%
Two Rivers, WI11,57787-13%
Los Alamitos, CA11,59816767%
Claiborne, LA11,57591-9%
Robstown, TX11,59981-19%
Urbana, OH11,58790-10%
Source: The Urbana, OH cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.