Moving from Cincinnati to Dayton
Your paycheck buys slightly more in Dayton than in Cincinnati (+2.0%). Compare taxes, rent, home prices and the cost of the move.
Equal salary in Dayton: $78,200
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $78,200 in Dayton, OH to match $80,000 in Cincinnati, OH ($1,800 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in Ohio, so state income tax is the same; includes Cincinnati resident tax $1,440 and Dayton resident tax $2,000 (inside city limits).
Prices and housing cover the metro area; taxes use Ohio, its principal state. A metro can span several states; living in its other state can change the tax result.
Cincinnati vs Dayton: key facts
- Median rent
- $1,203 → $1,119/mo
- Median home value
- $288,700 → $228,600
- Median household income
- $81,489 → $72,711
- Price level (U.S. = 100)
- 95.4 → 92.7
- FEMA county-score mean
- Very high county-score mean (82.9 → 85.0 of 100)
Cincinnati vs Dayton cost of living
The vertical line marks the U.S. average (100).
| Measure | Cincinnati, OH | Dayton, OH |
|---|---|---|
| Overall price level (U.S. = 100) | 95.4 | 92.7 |
| Median rent | $1,203 | $1,119 |
| Income to rent affordably (30%) | $48,120 | $44,760 |
| Median home value | $288,700 | $228,600 |
| Monthly cost to own (20% down) | $1,945 | $1,613 |
| Income needed to buy | $83,360 | $69,150 |
| Median property tax | $3,255 | $3,208 |
| State income tax on $80,000 | $1,757 | $1,757 |
| City income tax (inside city limits) | $1,440 | $2,000 |
| Metro population | 2,304,804 | 821,740 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $80,000, rounded from Cincinnati's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Unticking a city's box in the calculator estimates typical suburban tax for living and working outside that tax area; a nonresident city tax for work inside the city is not modeled. A metro can span several states; residence in its other state can change the tax result.
- Cincinnati, OH: Cincinnati residents pay a 1.8% municipal income tax. A Cincinnati Public Schools income tax is on the November 2026 ballot. Ohio city taxes are charged where you work as well as where you live, so anyone who works in Cincinnati pays 1.8% on those wages. Most suburban Ohio cities charge their own 1%–2% tax (1.5% is typical); people in unincorporated townships pay only the tax where they work. Fixed examples inside the modeled tax area include this tax; calculator totals follow your city-limit selections.
- Dayton, OH: Dayton residents pay a 2.5% municipal income tax. Ohio city taxes are charged where you work as well as where you live, so anyone who works in Dayton pays 2.5% on those wages. Most suburban cities charge their own 1.5%–2.5% tax (2%–2.25% is typical; Beavercreek has none); people in unincorporated townships pay only the tax where they work. Fixed examples inside the modeled tax area include this tax; calculator totals follow your city-limit selections.
Your yearly budget: Cincinnati vs Dayton
This fixed budget example uses $80,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On an $80,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $41,674 a year in Cincinnati and $41,226 in Dayton if you rent: $448 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $52,352 and $48,933 ($3,419 less).
Your yearly budget, before vs after
| Yearly cost | CincinnatiBefore | DaytonAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $18,087 | $18,647 | +$560 |
| Car insurance one car, state average | $947 | $947 | $0 |
| Gas 12,000 miles at 25 mpg | $2,048 | $2,048 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $6,156 | $6,156 | $0 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $14,436 | $13,428 | -$1,008 |
| Total if you rent | $41,674 | $41,226 | -$448 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $18,888 | $14,956 | -$3,932 |
| Property tax median home | $3,255 | $3,208 | -$47 |
| Homeowners insurance state median, with a mortgage | $1,198 | $1,198 | $0 |
| Electricity state average bill | $1,773 | $1,773 | $0 |
| Total if you buy | $52,352 | $48,933 | -$3,419 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $13,936 a year in Cincinnati and $13,936 in Dayton (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from Cincinnati to Dayton
About 3,018 households (4,794 people) moved from the Cincinnati metro area to the Dayton metro area in 2022–2023, making Dayton the #1 destination for people leaving Cincinnati among the 149 metro areas we cover. 2,988 households moved the other way. Their average adjusted gross income was $55,083.
Cost to move from Cincinnati to Dayton
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 60 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Cincinnati vs Dayton
RelocateMath's population-weighted means of FEMA county risk scores are 82.9 for the Cincinnati area and 85 for the Dayton area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $289 vs $233 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Dayton cheaper than Cincinnati?
Overall prices in the Dayton area are 2.8% lower than in Cincinnati (BEA Regional Price Parities 2024). Median rent is $1,119 vs $1,203 a month, and the median home is $228,600 vs $288,700.
What salary do I need in Dayton to match $100,000 in Cincinnati?
About $97,800 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Both are in Ohio, so state income tax is the same. This illustration stays fixed when calculator inputs change.
How much does it cost to move from Cincinnati to Dayton?
For a 2–3 bedroom home over about 60 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Cincinnati to Dayton?
IRS county migration data for 2022–2023 show about 3,018 households (4,794 people) moved from the Cincinnati metro area to the Dayton metro area, and 2,988 moved the other way.
Related
Where people from Cincinnati move
- Cincinnati to Columbus 1,512 households
- Chicago 735 households
- Louisville 442 households
- Lexington 406 households
- New York 389 households
- Tampa 376 households
- Indianapolis 361 households
- Cleveland 354 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing. Local-tax references retain their own publication or filing years. Some documents cover an earlier filing year; a source link is not a claim that every rule has just been rechecked.