Cost of Living in St. Bernard, OH

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13%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
34%
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 St. Bernard Ohio National
Cost of living8789100
Groceries9997100
Health care9996100
Housing6674100
Transportation9796100
Utilities9596100
Lifestyle & Entertainment9795100
Household Items9697100
Education & Childcare9193100
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Homes For Sale In St. Bernard, OH

property for sale

4808 Chalet Dr #1106

Cincinnati, OH
property for sale

64 E Mitchell Ave

Cincinnati, OH
property for sale

4906 Chalet Dr #4

St Bernard, OH
property for sale

54 E Mitchell Ave

Cincinnati, OH

Cost Of Living Quick Facts

  • The cost of living in St. Bernard is 2% lower than the Ohio average
  • The cost of living in St. Bernard is 13% lower than the national average
  • St. Bernard housing is 34% 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 St. Bernard

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      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$125,083$10,424$2,918$3,753
      Renters$72,580$6,048$1,693$2,178
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in St. Bernard, OH, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for St. Bernard homeowners, is $125,083. This would allow for a maximum of $2,918 per month to be spent on housing costs. For renters, the median monthly income is $72,580 which would result in a maximum of $1,693 to be spent on rental costs.

      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.
      Plainville, OH159973.4%
      Hooven, OH3367722.7%
      Dillonvale village, OH6678020.2%
      Elmwood Place, OH2,1328019.8%
      New Haven CDP (Huron County), OH2908118.8%
      St. Bernard, OH4,4718712.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Chester, MD4,47113333.4%
      Walton, KY4,473945.5%
      Roseburg North, OR4,4731033.0%
      Captain Cook, HI4,47516363.2%
      Berryville, VA4,47512221.9%
      St. Bernard, OH4,4718712.5%
      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.
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