Cost of Living in Bluffton, OH

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A+
7%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
15%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Bluffton Ohio National
Cost of living9389100
Groceries9797100
Health care9796100
Housing8574100
Transportation9696100
Utilities9896100
Lifestyle & Entertainment9495100
Household Items9897100
Education & Childcare9193100
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Homes For Sale In Bluffton, OH

property for sale

303 Campus Dr

Bluffton, OH
property for sale

3600 Township Road 27

Bluffton, OH
property for sale

348 Sycamore Ct

Bluffton, OH
property for sale

22616 Township Road 51

Bluffton, OH

Cost Of Living Quick Facts

  • The cost of living in Bluffton is 4% higher than the Ohio average
  • The cost of living in Bluffton is 7% lower than the national average
  • Bluffton housing is 15% lower than the national average
  • Ohio general sales tax is 13% higher than the national average
  • Ohio state income tax is 6% higher than the national average

Most Affordable Places to Live in and Around Bluffton

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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
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$113,287$9,441$2,643$3,399
      Renters$63,984$5,332$1,493$1,920
      To approximate the cost of living and the housing affordability in Bluffton, OH, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Bluffton have a median income of $113,287. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,643 per month to avoid calamity and poverty. The renters in the city have an income of about $63,984, which would make their monthly maximum allowable rental costs $1,493.

      Ohio Sales Tax

      State General Sales Tax With Max Surtax
      Ohio 5.75% 8%

      Ohio Income Tax

      State Income Tax (Low) Income Tax (High)
      Ohio 2.76% 3.99%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Dola, OH146972.6%
      McGuffey, OH5057722.9%
      Alger, OH9067921.4%
      Dunkirk, OH7378217.8%
      Lima, OH38,0268218.4%
      Bluffton, OH4,159937.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Kildeer, IL4,15817676.0%
      Esparto, CA4,16013231.9%
      Newcomerstown, OH4,1608316.9%
      Akron, PA4,1601010.6%
      Smithton, IL4,157982.0%
      Bluffton, OH4,159937.5%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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