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Cost of Living: Chicago, IL vs Cincinnati, OH

A data-driven comparison of housing, groceries, transportation, taxes, job market and more. See which city gives you more for your money.

14.0% Cincinnati, OH is cheaper overall
23.8% 23.8% cheaper housing
7.7% 7.7% cheaper groceries
Updated April 2026 · Data: Bureau of Labor Statistics, U.S. Census Bureau National average = 100

At a Glance

🏠 Housing 23.8% cheaper
Chicago
105
Cincinnati
80
🛒 Groceries 7.7% cheaper
Chicago
104
Cincinnati
96
🚗 Transportation 12.3% cheaper
Chicago
114
Cincinnati
100
🏥 Healthcare 6.8% cheaper
Chicago
103
Cincinnati
96
⚡ Utilities 3.0% cheaper
Chicago
101
Cincinnati
98

Detailed Breakdown

Category Chicago, IL Cincinnati, OH Difference
Overall Cost Index1079214.0% less
Housing1058023.8% less
Median 1BR Rent$1,700$1,05038.2% less
Median Home Price$310,000$215,00030.6% less
Groceries104967.7% less
Transportation11410012.3% less
Healthcare103966.8% less
Utilities101983.0% less

Tax Comparison

Tax Type Chicago, IL Cincinnati, OH
State Income Tax4.95%3.50% (top)
State Sales Tax6.25%5.75%
Avg Property Tax Rate1.95%1.41%
Estate / Inheritance TaxYesNone

What You'd Need to Earn

Chicago, IL
$74,000
Median household income
Cincinnati, OH
$58,000
Median household income
⚠️ Heads up: Cincinnati costs more but median income is lower. You may need to earn more to maintain the same standard of living.

Salary Equivalent Calculator

Find out what you'd need to earn in Cincinnati to maintain your Chicago lifestyle.

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Based on overall cost index: Chicago (107) vs Cincinnati (92). This is an estimate for comparison purposes.

Job Market Snapshot

Unemployment Rate
Chicago4.8%
Cincinnati3.8%
Job Growth (YoY)
Chicago2.1%
Cincinnati2.4%
Top Industries
ChicagoFinance, Manufacturing, Healthcare
CincinnatiManufacturing, Finance, Healthcare

Quality of Life

Avg Commute
Chicago35 min
Cincinnati24 min
Walk Score
Chicago78
Cincinnati50
Air Quality (AQI)
Chicago44
Cincinnati44
Avg Temperature
Chicago50°F
Cincinnati54°F
Population
Chicago2,665,039
Cincinnati309,317

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Planning Your Move?

Here are some helpful resources if you're considering relocating.

🏠 Find ApartmentsBrowse rentals in Chicago and Cincinnati → 🚚 Get Moving QuotesCompare prices from top movers → 📈 Check Home ValuesSee real estate trends in both cities → 💼 Search JobsFind open positions in Cincinnati →

Compare Other Cities

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Frequently Asked Questions

Is Chicago or Cincinnati cheaper to live in?+
Cincinnati is the more affordable option overall. The biggest difference is in housing costs, where the gap is about 23.8%. Day-to-day expenses like groceries and transportation are closer between the two cities.
How much is rent in Chicago vs Cincinnati?+
A typical one-bedroom apartment costs around $1,700/month in Chicago and $1,050/month in Cincinnati — a difference of about $650 per month.
Which city has lower taxes, Chicago or Cincinnati?+
Illinois has a state income tax of 4.95% and sales tax of 6.25%. Ohio has a state income tax of 3.50% (top) and sales tax of 5.75%. Consider all tax types together when evaluating total tax burden, as states with no income tax often compensate with higher sales or property taxes.
Can I afford to move from Chicago to Cincinnati?+
Median household income in Chicago is $74,000 compared to $58,000 in Cincinnati. Use the salary calculator above to see what you'd need to earn to maintain your current standard of living.
What about buying a home in Chicago vs Cincinnati?+
The median home price in Chicago is $310,000 versus $215,000 in Cincinnati — a difference of $95,000. Property tax rates also differ: Illinois averages 1.95% while Ohio averages 1.41%.