Cost Of Living in Spencerville, OH

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15%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

41%

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	Spencerville	Ohio	National
Cost of living	85	89	100
Groceries	97	97	100
Health care	97	96	100
Housing	59	74	100
Transportation	96	96	100
Utilities	98	96	100
Lifestyle & Entertainment	94	95	100
Household Items	98	97	100
Education & Childcare	91	93	100

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Homes For Sale In Spencerville, OH

547 N Broadway St

Spencerville, OH

305 N Broadway St

Spencerville, OH

Cost Of Living Quick Facts

The cost of living in Spencerville is 5% lower than the Ohio average
The cost of living in Spencerville is 15% lower than the national average
Spencerville housing is 41% 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

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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	$75,998	$6,333	$1,773	$2,280
Renters	$39,335	$3,278	$918	$1,180

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.
St. Johns, OH	183	79	21.3%
Uniopolis, OH	324	80	20.3%
Elgin, OH	146	81	19.4%
Lima, OH	38,026	82	18.4%
Ohio City, OH	752	82	18.1%
Spencerville, OH	2,271	85	15.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Saint-Côme, QC	2,271	n/a
Mansfield-et-Pontefract, QC	2,271	n/a
Greenport West, NY	2,270	156	55.9%
New Wilmington, PA	2,270	93	6.5%
Star Valley Ranch, WY	2,270	121	21.1%
Spencerville, OH	2,271	85	15.1%