| Index | Cambridge | Ohio | National |
| Cost of living | 85 | 89 | 100 |
| Groceries | 96 | 97 | 100 |
| Health care | 99 | 96 | 100 |
| Housing | 59 | 74 | 100 |
| Transportation | 94 | 96 | 100 |
| Utilities | 99 | 96 | 100 |
| Lifestyle & Entertainment | 95 | 95 | 100 |
| Household Items | 96 | 97 | 100 |
| Education & Childcare | 94 | 93 | 100 |
Knowing the cost of living in Cambridge allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Cambridge stands at 85, marking it 15% lower than the national average.
Cambridge housing costs are 40.7% less than the national average, making this area an affordable place to live. Your net income can be heavily impacted by housing expenses, at times exceeding 30%. Fortunately, this area demonstrates that both homeownership and renting costs are significantly more budget-friendly than in the rest of the country. With such favorable housing affordability, Cambridge residents can earmark a more manageable portion of their income to housing.
Is Cambridge affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Cambridge, the median home price is 46.9% lower than the national average and monthly rent prices are 26.2% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Cambridge boasting a median household income of $51,452, 36.7% lower than the national average.
Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Cambridge, the groceries index is 3.6% lower than the national average.
Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Cambridge, the transportation index is 6.5% lower than the national average.
Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Cambridge, the utilities index is 1.4% lower than the national average.
The cost of living estimates displayed for Cambridge are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $87,470 | $7,289 | $2,041 | $2,624 |
| Renters | $29,748 | $2,479 | $694 | $893 |
| State | General Sales Tax | With Max Surtax |
| Ohio | 5.75% | 8% |
| State | Income Tax (Low) | Income Tax (High) |
| Ohio | 2.76% | 3.99% |
| City | Population | Cost of Living Index | National Avg. |
| Kimbolton, OH | 28 | 96 | 3.8% |
| Salesville, OH | 88 | 93 | 6.8% |
| Sarahsville, OH | 99 | 77 | 23.0% |
| Pleasant City, OH | 534 | 79 | 20.7% |
| Senecaville, OH | 352 | 79 | 20.7% |
| Cambridge, OH | 10,738 | 85 | 15.0% |
| City | Population | Cost of Living Index | National Avg. |
| Sedona, AZ | 10,738 | 140 | 40.1% |
| Lake Monticello, VA | 10,739 | 114 | 13.7% |
| Kearney, MO | 10,736 | 101 | 0.7% |
| Celina, OH | 10,741 | 88 | 11.9% |
| Sainte-Julienne, QC | 10,741 | n/a | |
| Cambridge, OH | 10,738 | 85 | 15.0% |
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