Cost of Living in Moraine, OH

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15%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
39%
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 Moraine Ohio National
Cost of living8589100
Groceries9597100
Health care9696100
Housing6174100
Transportation9996100
Utilities9896100
Lifestyle & Entertainment9395100
Household Items9597100
Education & Childcare9593100
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Homes For Sale In Moraine, OH

property for sale

2247 Crew Cir #2247

Dayton, OH
property for sale

3416 Clearview Ave

Moraine, OH
property for sale

5010 Wright Way

Dayton, OH
property for sale

2610 Nyack Ln

Dayton, OH
See the Newest Homes For Sale In Moraine, OH

Cost Of Living Quick Facts

  • The cost of living in Moraine is 4% lower than the Ohio average
  • The cost of living in Moraine is 15% lower than the national average
  • Moraine housing is 39% 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 Moraine

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Compare Moraine, OH Cost of Living

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      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$92,195$7,683$2,151$2,766
      Renters$40,792$3,399$952$1,224
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Moraine, OH, as well as what the overall cost of living might be. 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 payments and not more than 36 percent of income on all expenses and debts. In Moraine, homeowners have a median income of $92,195. Using that number, a maximum of $2,151 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $40,792, which means there is a maximum of $952 to be spent on the costs of renting a home or apartment.

      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.
      Centerville village, OH707821.7%
      Drexel, OH2,3697921.4%
      Highland Holiday, OH7047921.1%
      Dayton, OH145,9278217.9%
      Trotwood, OH25,2008317.1%
      Moraine, OH6,7198514.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      South Valley Stream, NY6,71915353.0%
      Oakmont, PA6,7181077.4%
      West View, PA6,718955.2%
      Boonville, IN6,7168613.9%
      Ambler, PA6,71611515.0%
      Moraine, OH6,7198514.7%
      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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