Cost Of Living in Waterford, OH

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18%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

45%

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	Waterford	Ohio	National
Cost of living	82	89	100
Groceries	95	97	100
Health care	95	96	100
Housing	55	74	100
Transportation	92	96	100
Utilities	93	96	100
Lifestyle & Entertainment	90	95	100
Household Items	94	97	100
Education & Childcare	92	93	100

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Homes For Sale In Waterford, OH

Miles Ln

Spearfish, OH

31 Leget St

Waterford, OH

Cost Of Living Quick Facts

The cost of living in Waterford is 8% lower than the Ohio average
The cost of living in Waterford is 18% lower than the national average
Waterford housing is 45% 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	$105,675	$8,806	$2,466	$3,171
Renters	$0	$0	$0	$0

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.
Waverly, WV	711	93	6.8%
Macksburg, OH	174	78	22.4%
Malta, OH	667	79	20.6%
Chesterhill, OH	367	81	19.2%
McConnelsville, OH	2,540	81	18.7%
Waterford, OH	558	82	18.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Enfield, IL	558	76	24.1%
Ursa, IL	558	89	11.4%
Noxapater, MS	558	82	17.9%
East Pecos, NM	558	97	2.8%
Unionville, NY	558	113	12.7%
Waterford, OH	558	82	18.3%