Oshkosh, Wisconsin Cost Of Living

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Overall 9%

Goods & Services 1%

Housing 34%

Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; 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	91	96	100
Goods & Services	99	98	100
Groceries	105	99	100
Health care	113	113	100
Housing	66	88	100
Transportation	101	97	100
Utilities	102	98	100

Key findings

The cost of living in Oshkosh is 5% lower than the Wisconsin average
The cost of living in Oshkosh is 9% 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 62% 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	$20.05	$18.62	7.7%
Beauty Salon	$25.88	$39.05	33.7%
Toothpaste	$2.53	$2.34	8.2%
Shampoo	$1.14	$1.06	8.2%
Movie	$7.74	$10.68	27.5%
Bowling	$10.67	$14.67	27.2%

Groceries

Item	Oshkosh	National avg.	Difference
Ground Beef	$4.70	$4.22	11.4%
Fried Chicken	$1.68	$1.39	21.1%
Milk	$2.05	$2.05	0.1%
Potatoes	$2.31	$3.29	29.8%
Pizza	$11.33	$10.62	6.6%
Beer	$8.00	$9.38	14.8%

Health Care

Item	Oshkosh	National avg.	Difference
Optometrist	$115.59	$108.57	6.5%
Doctor	$187.44	$116.17	61.3%
Dentist	$89.58	$99.13	9.6%
Ibuprofen	$9.42	$9.68	2.6%
Lipitor	$484.33	$466.92	3.7%

Housing

Item	Oshkosh	National avg.	Difference
Home Price	$116,900.00	$184,700.00	36.7%
Avg. Mortgage Payment	$1,018.25	$1,197.42	15.0%
Apartment Rent	$671.00	$949.00	29.3%

Transportation

Item	Oshkosh	National avg.	Difference
Gasoline	$2.11	$2.22	5.2%
Tire Balancing	$55.61	$50.07	11.1%

Utilities

Item	Oshkosh	National avg.	Difference
All Electricity	$176.70	$167.67	5.4%
Phone	$179.44	$175.64	2.2%

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	89	-11%
North Fond du Lac, WI	5,020	90	-10%
Ripon, WI	7,712	91	-9%
Menasha, WI	17,930	85	-15%
Winneconne, WI	2,382	93	-7%
Oshkosh, WI	66,713	91	-9%

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	304	204%
Portland, ME	66,649	112	12%
Camarillo, CA	66,630	155	55%
Oshkosh, WI	66,713	91	-9%

Source: The Oshkosh, WI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.