A+
11%
Overall NAT. AVG.
0%
Goods & Services NAT. AVG.
35%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Xenia Ohio National
Cost of living8992100
Goods & Services100100100
Groceries101101100
Health care10798100
Housing6573100
Transportation95100100
Utilities10299100

An Overview of Cost of Living in Xenia, OH

The cost of living in Xenia affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Xenia is 89, which is 11% lower than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

Is Xenia Affordable?

Is Xenia affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Xenia, for instance, where the median home price falls 41.1% lower than the national average, and monthly rent rates are 21.6% lower than usual. Additionally, median income levels contribute to the equation, with Xenia flaunting a median household income of $46,202, 16.5% lower than the national norm.

What Factors can Influence the Cost of Living in Xenia?

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Xenia, healthcare costs are 6.6% higher than the national average.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Xenia, the groceries index is 1.2% higher than the national average.

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Where is the Data From?

The cost of living in Xenia, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Xenia is 3% lower than the Ohio average
  • The cost of living in Xenia is 11% lower than the national average
  • Xenia housing is 35% lower than the national average
  • Ohio general sales tax is 13% higher than the national average
  • Ohio state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Xenia

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Compare Xenia, OH Cost of Living

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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
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$62,028$5,169$1,447$1,861
      Renters$26,350$2,196$615$791
      A good indicator of the general affordability of housing in Xenia, OH, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Xenia, the median monthly income is $62,028 for those who own their own homes. Under the standard rule, that income level would allow for $1,447 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $26,350, per the median income in the area. That would allow for renters to spend up to $615 on monthly rental expenses.

      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 0% 3.99%

      Goods & Services

      Item Xenia National avg. Difference
      Haircut $21.00$24.2613.4%
      Beauty Salon $43.31$45.564.9%
      Toothpaste $3.57$3.703.5%
      Shampoo $1.30$1.281.5%
      Movie $12.84$12.135.8%
      Bowling $16.32$18.009.3%

      Groceries

      Item Xenia National avg. Difference
      Ground Beef $6.04$5.843.4%
      Fried Chicken $1.69$1.577.2%
      Milk $4.78$4.672.2%
      Potatoes $5.19$4.935.1%
      Pizza $13.11$12.098.5%
      Beer $10.57$10.411.6%

      Health Care

      Item Xenia National avg. Difference
      Optometrist $108.50$125.6813.7%
      Doctor $152.25$135.7812.1%
      Dentist $122.07$113.297.7%
      Ibuprofen $10.62$10.650.3%
      Lipitor $511.48$468.609.2%

      Housing

      Item Xenia National avg. Difference
      Home Price $108,800.00$184,700.0041.1%
      Avg. Mortgage Payment $1,810.14$2,346.6922.9%
      Apartment Rent $744.00$949.0021.6%

      Transportation

      Item Xenia National avg. Difference
      Gasoline $3.24$3.466.3%
      Tire Balancing $58.06$59.923.1%

      Utilities

      Item Xenia National avg. Difference
      All Electricity $202.76$193.994.5%
      Phone $186.57$192.253.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Centerville village, OH698118.9%
      Highland Holiday, OH6778218.0%
      Dayton, OH140,4448515.2%
      Port William, OH3158614.2%
      Park Layne, OH4,4208712.7%
      Xenia, OH26,7518910.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Chaska, MN26,75311111.3%
      Twentynine Palms, CA26,748964.1%
      Sanger, CA26,74411918.8%
      Lemon Grove, CA26,73914544.9%
      Maple Valley, WA26,73914949.4%
      Xenia, OH26,7518910.5%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.