Cost of Living in St. Marys, OH

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12%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
31%
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. Marys Ohio National
Cost of living8889100
Groceries9797100
Health care9796100
Housing6974100
Transportation9696100
Utilities9896100
Lifestyle & Entertainment9495100
Household Items9897100
Education & Childcare9193100
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Homes For Sale In St. Marys, OH

property for sale

1030 Hendricks Ave

Saint Marys, OH
property for sale

347 Jay St

Saint Marys, OH
property for sale

330 Concord Ave

Saint Marys, OH
property for sale

621 E Spring St

Saint Marys, OH

Cost Of Living Quick Facts

  • The cost of living in St. Marys is 2% lower than the Ohio average
  • The cost of living in St. Marys is 12% lower than the national average
  • St. Marys housing is 31% 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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      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$105,706$8,809$2,466$3,171
      Renters$59,562$4,964$1,390$1,787
      The affordability of the housing market in St. Marys, OH as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among St. Marys homeowners, the median income is $105,706. This indicates that a monthly maximum of $2,466 should be spent by homeowners on all housing related costs. Renters have a median income of $59,562. This indicates that renters would have a maximum of $1,390 for their rent related monthly 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.
      New Weston, OH698020.3%
      Elgin, OH1468119.4%
      Lima, OH38,0268218.4%
      Kettlersville, OH1378316.9%
      Mendon, OH6568316.9%
      St. Marys, OH8,4878812.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Hanover, ON8,487n/a 
      Green Cove Springs, FL8,4881021.9%
      Doylestown, PA8,48213131.3%
      Runnemede, NJ8,4921055.3%
      Black Mountain, NC8,4811109.8%
      St. Marys, OH8,4878812.3%
      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.
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