| Index | Ontario | Oregon | National |
| Cost of living | 90 | 111 | 100 |
| Groceries | 100 | 104 | 100 |
| Health care | 99 | 105 | 100 |
| Housing | 69 | 124 | 100 |
| Transportation | 99 | 106 | 100 |
| Utilities | 99 | 106 | 100 |
| Lifestyle & Entertainment | 98 | 107 | 100 |
| Household Items | 100 | 104 | 100 |
| Education & Childcare | 97 | 109 | 100 |
Getting a feel for the cost of living in Ontario is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Ontario is 90, which is 10% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Ontario are priced in a manner consistent with other areas. This means that residents of Ontario can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.
Is Ontario affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Ontario, for instance, where the median home price falls 31.2% lower than the national average, and monthly rent rates are 29.5% lower than usual. Additionally, median income levels contribute to the equation, with Ontario flaunting a median household income of $54,307, 33.2% lower than the national norm.
Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Ontario comes in at 0.9% lower than the national average.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Ontario, the housing index comes in at 30.7% lower than the national average.
Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Ontario, the transportation index stands at 0.9% lower than the national average.
The cost of living estimates displayed for Ontario 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 | $71,862 | $5,989 | $1,677 | $2,156 |
| Renters | $42,369 | $3,531 | $989 | $1,271 |
| State | General Sales Tax | With Max Surtax |
| Oregon | 0% | 0% |
| State | Income Tax (Low) | Income Tax (High) |
| Oregon | 4.75% | 9.9% |
| City | Population | Cost of Living Index | National Avg. |
| Vale, OR | 2,287 | 88 | 12.4% |
| Nyssa, OR | 3,261 | 89 | 11.3% |
| Payette, ID | 7,854 | 91 | 8.8% |
| Annex, OR | 252 | 92 | 8.3% |
| New Plymouth, ID | 1,693 | 93 | 6.7% |
| Ontario, OR | 11,298 | 90 | 9.9% |
| City | Population | Cost of Living Index | National Avg. |
| New Baltimore, VA | 11,303 | 149 | 48.7% |
| Picayune, MS | 11,292 | 87 | 12.8% |
| Mapleton, ON | 11,305 | n/a | |
| Maynard, MA | 11,308 | 133 | 32.8% |
| Suffern, NY | 11,308 | 127 | 27.1% |
| Ontario, OR | 11,298 | 90 | 9.9% |
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