Cost of Living in Waterville, OH

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2%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
17%
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 Waterville Ohio National
Cost of living10289100
Groceries9697100
Health care9596100
Housing11774100
Transportation9796100
Utilities9596100
Lifestyle & Entertainment9895100
Household Items9697100
Education & Childcare9193100
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Homes For Sale In Waterville, OH

property for sale

1355 Fiddlers Way

Waterville, OH
property for sale

6041 Tournament Dr

Waterville, OH
property for sale

432 Hickory Ln

Waterville, OH
property for sale

10 Mattatuck Way

Waterville, OH

Cost Of Living Quick Facts

  • The cost of living in Waterville is 14% higher than the Ohio average
  • The cost of living in Waterville is 2% higher than the national average
  • Waterville housing is 17% higher 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 Waterville

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      Salary Calculator

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      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$137,648$11,471$3,212$4,130
      Renters$69,674$5,806$1,626$2,090
      A good way to judge both the affordability of the housing and the cost of living in Waterville is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Waterville has a median income of about $137,648 for people who own homes. Based on that number, a maximum of $3,212 should be spent on expenses related to housing. Renters have a slightly different median income, which is $69,674. Based on this average, renters should spend no more than $1,626 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Milton Center, OH1407921.5%
      McClure, OH8148118.6%
      Custar, OH2708317.3%
      Stony Ridge, OH6178217.8%
      Toledo, OH281,6448317.1%
      Waterville, OH5,7171022.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Germantown, OH5,717937.5%
      New Carlisle, OH5,7168415.9%
      Cresaptown, MD5,7188812.0%
      Nashville, NC5,715946.1%
      Cheraw, SC5,7159010.1%
      Waterville, OH5,7171022.0%
      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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