Cost of Living in Ottawa, OH

Get 300+ Local Insights for Any Address in Ottawa, OH

Get Access to 300+ Local Data Points
A+
10%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
25%
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 Ottawa Ohio National
Cost of living9089100
Groceries9797100
Health care9796100
Housing7574100
Transportation9696100
Utilities9896100
Lifestyle & Entertainment9495100
Household Items9897100
Education & Childcare9193100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Ottawa, OH

property for sale

134 Hidden Timbers Dr

Ottawa, OH
property for sale

13464 Road 14

Ottawa, OH
property for sale

742 E 2nd St

Ottawa, OH
property for sale

407 E 2nd St

Ottawa, OH

Cost Of Living Quick Facts

  • The cost of living in Ottawa is 1% higher than the Ohio average
  • The cost of living in Ottawa is 10% lower than the national average
  • Ottawa housing is 25% 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 Ottawa

See all the best places to live around Ottawa

Compare Ottawa, OH Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Ottawa?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Ottawa?
      Write a review to give others more information about this area.
      See all Ottawa poll results

      The best places in Ohio

      Here are the best places to live in OhioMost Dangerous States In The USSee the best places to live in OttawaThese are the largest cities in Ohio
      Best Places in Ohio

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$94,412$7,868$2,203$2,833
      Renters$64,634$5,386$1,508$1,939
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ottawa, 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 Ottawa, homeowners have a median income of $94,412. Using that number, a maximum of $2,203 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $64,634, which means there is a maximum of $1,508 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.
      Belmore, OH64972.6%
      Cloverdale, OH1728019.7%
      New Bavaria, OH908218.0%
      Gilboa, OH2208416.5%
      Dupont, OH4218317.1%
      Ottawa, OH4,4559010.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Del Mar, CA4,455338238.2%
      Cornwall, PA4,45511413.7%
      West Reading, PA4,455945.6%
      Puhi, HI4,45415756.8%
      El Jebel, CO4,45315958.7%
      Ottawa, OH4,4559010.3%
      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.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026