Dayton wins overall by ~5% (COL index)
Cost of living: Cincinnati vs Dayton (2026)
A $60,000 salary in Cincinnati buys roughly what $57,241 does in Dayton (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$2,838/yr
Favoring Dayton for this income & household (illustrative).
With the extra $236/mo, you could pay down a $15,000 card balance in ~64 months and still keep ~$28/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Cincinnati Ohio | Dayton Ohio | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,050 | $900Wins | Dayton wins −$150/mo | $1,800/yr saves in Dayton |
| 1BR rent/mo | $1,300 | $1,100Wins | Dayton wins −$200/mo | $2,400/yr saves in Dayton |
| 2BR rent/mo | $1,700 | $1,450Wins | Dayton wins −$250/mo | $3,000/yr saves in Dayton |
| Median home price | $235K | $200KWins | Dayton wins −$35K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 97 | 95Better | Dayton wins -2 | — |
| Budget meal (1 person) | $13 | $12Better | Dayton wins −$1/mo | — |
| Mid-range dinner (2) | $52 | $50Better | Dayton wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $65 | $60Better | Dayton wins −$5/mo | — |
| Gas price/gal | $3.15 | $3.10Better | Dayton wins −$0.05 | — |
| Car insurance/mo | $155 | $148Better | Dayton wins −$7/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $165 | $162Better | Dayton wins −$3/mo | — |
| Internet/mo | $60 | $58Better | Dayton wins −$2/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $57KWins | $50K | Cincinnati wins −$7K more/yr | — |
| State income tax% | 3.5%Better | 3.5% | — | — |
| Sales tax (combined)% | 7.2%Better | 7.2% | — | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00 | $13.00Better | Dayton wins −$1.00 | — |
| Gym membership/mo | $38 | $35Better | Dayton wins −$3/mo | — |
| Beer at restaurant | $5.50 | $5.00Better | Dayton wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 87 | 83Better | Dayton wins -4 | — |
| Walk score / 100 | 54Wins | 44 | Cincinnati wins -10 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Dayton fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Dayton.
High-yield savings
Park ~$2,400/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Cincinnati cheaper than Dayton?
No. Dayton is 5% cheaper than Cincinnati based on overall cost of living indices (83 vs 87, where 100 = US average).
What is the average rent in Cincinnati vs Dayton?
As of Q1 2026, the median 1-bedroom rent in Cincinnati is $1,300/month and in Dayton is $1,100/month. Cincinnati is more expensive by 18%.
How much do I need to earn in Dayton to match a $75,000 salary in Cincinnati?
To maintain a similar lifestyle, you would need approximately $71,552/year in Dayton to match a $75,000 salary in Cincinnati. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Cincinnati or Dayton?
Dayton has the lower state income tax rate at 3.5% vs 3.5%. The difference is 0.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Cincinnati to Dayton?
It depends on your priorities. Dayton offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Cincinnati ↔ Dayton
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