| Index | Findlay | Ohio | National |
| Cost of living | 91 | 89 | 100 |
| Groceries | 99 | 97 | 100 |
| Health care | 97 | 96 | 100 |
| Housing | 77 | 74 | 100 |
| Transportation | 96 | 96 | 100 |
| Utilities | 93 | 96 | 100 |
| Lifestyle & Entertainment | 100 | 95 | 100 |
| Household Items | 99 | 97 | 100 |
| Education & Childcare | 98 | 93 | 100 |
The cost of living in Findlay affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Findlay is 91, which is 9% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
The cost of living in Findlay closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, houshold expenses, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Findlay can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.
The most insightful perspective on a city comes from its residents. We recently surveyed 15 locals to gauge their perception of the cost of living in Findlay. The feedback revealed that 33% of respondents found the cost of living to be reasonable, with prices on the decline, while 67% regarded it as notably expensive with prices that continue to rise.
Wondering if Findlay is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Findlay, for example, the median home price is 24.2% lower than what folks pay nationally, and monthly rent is 21.7% lower than the usual rates. Plus, income levels matter too, with Findlay boasting a median household income of $72,522, which is 10.8% lower than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Findlay, the prevailing sales tax rate starts at 5.75%, and income tax rates kick off at 2.76%.
Transportation: In areas where public transportation is scarce or unavailable, residents often find themselves compelled to own and upkeep vehicles, thereby increasing the overall cost of living. Monthly expenses encompass fuel, insurance, routine maintenance and potentially lease or financing payments. In Findlay, the transportation index is 3.8% lower than the national average.
The cost of living estimates displayed for Findlay 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 | $97,058 | $8,088 | $2,265 | $2,912 |
| Renters | $48,888 | $4,074 | $1,141 | $1,467 |
| 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. |
| Bairdstown, OH | 104 | 79 | 21.0% |
| West Millgrove, OH | 141 | 79 | 21.2% |
| Wharton, OH | 426 | 82 | 18.3% |
| Fostoria, OH | 13,487 | 82 | 18.2% |
| Jenera, OH | 265 | 83 | 16.5% |
| Findlay, OH | 42,458 | 91 | 8.9% |
| City | Population | Cost of Living Index | National Avg. |
| Kearny, NJ | 42,471 | 131 | 31.1% |
| Leominster, MA | 42,480 | 118 | 18.0% |
| Belleville, IL | 42,499 | 88 | 12.0% |
| Westfield, MA | 42,547 | 117 | 16.8% |
| Gainesville, GA | 42,333 | 105 | 5.2% |
| Findlay, OH | 42,458 | 91 | 8.9% |
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