Oshkosh, Wisconsin Cost Of Living

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Overall 11%

Goods & Services 5%

Housing 34%

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Oshkosh	Wisconsin	National
Cost of living	89	96	100
Goods & Services	95	98	100
Groceries	105	97	100
Health care	112	113	100
Housing	66	88	100
Transportation	99	100	100
Utilities	101	97	100

Key findings

The cost of living in Oshkosh is 7% lower than the Wisconsin average
The cost of living in Oshkosh is 11% lower than the national average
Oshkosh housing is 34% lower than the national average
Wisconsin general sales tax is 2% lower than the national average
Wisconsin state income tax is 80% higher than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$62,317	$5,193	$1,454	$1,870
Renters	$30,205	$2,517	$705	$906

A good indicator of the general affordability of housing in Oshkosh, WI, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Oshkosh, the median monthly income is $62,317 for those who own their own homes. Under the standard rule, that income level would allow for $1,454 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $30,205, per the median income in the area. That would allow for renters to spend up to $705 on monthly rental expenses.

Wisconsin Sales Tax

State	General Sales Tax	With Max Surtax
Wisconsin	5%	6.75%

Wisconsin Income Tax

State	Income Tax (Low)	Income Tax (High)
Wisconsin	4%	7.65%

Goods & Services

Item	Oshkosh	National avg.	Difference
Haircut	$18.00	$17.49	2.9%
Beauty Salon	$25.25	$38.17	33.9%
Toothpaste	$2.82	$2.32	21.5%
Shampoo	$1.03	$1.01	1.8%
Movie	$8.88	$10.72	17.2%
Bowling	$9.00	$13.86	35.1%

Groceries

Item	Oshkosh	National avg.	Difference
Ground Beef	$4.14	$3.90	6.2%
Fried Chicken	$1.59	$1.40	13.9%
Milk	$2.02	$1.96	2.9%
Potatoes	$2.59	$3.18	18.6%
Pizza	$9.99	$10.39	3.9%
Beer	$7.99	$9.23	13.4%

Health Care

Item	Oshkosh	National avg.	Difference
Optometrist	$90.25	$106.34	15.1%
Doctor	$189.00	$115.25	64.0%
Dentist	$89.40	$98.38	9.1%
Ibuprofen	$9.45	$9.26	2.0%
Lipitor	$474.52	$466.47	1.7%

Housing

Item	Oshkosh	National avg.	Difference
Home Price	$116,900.00	$184,700.00	36.7%
Avg. Mortgage Payment	$1,137.33	$1,273.32	10.7%
Apartment Rent	$671.00	$949.00	29.3%

Transportation

Item	Oshkosh	National avg.	Difference
Gasoline	$2.66	$2.59	2.7%
Tire Balancing	$46.49	$48.90	4.9%

Utilities

Item	Oshkosh	National avg.	Difference
All Electricity	$174.55	$167.60	4.1%
Phone	$175.83	$163.42	7.6%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, State	Population	Cost of Living Index	National Avg.
Eureka, WI	466	87	-13%
North Fond du Lac, WI	5,020	88	-12%
Ripon, WI	7,712	89	-11%
Menasha, WI	17,930	86	-14%
Winneconne, WI	2,382	91	-9%
Oshkosh, WI	66,713	89	-11%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Woodbury, MN	66,699	120	20%
St. Cloud, MN	66,770	99	-1%
Palo Alto, CA	66,649	305	205%
Portland, ME	66,649	115	15%
Camarillo, CA	66,630	152	52%
Oshkosh, WI	66,713	89	-11%

Source: The Oshkosh, WI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.