Moving from Dayton to Cincinnati
Your paycheck buys slightly less in Cincinnati than in Dayton (-2.0%); you'd need about $76,800 to break even. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Cincinnati: $76,800
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $76,800 in Cincinnati, OH to match $75,000 in Dayton, OH ($1,800 more), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in Ohio, so state income tax is the same; includes Dayton resident tax $1,875 and Cincinnati resident tax $1,350 (inside city limits).
Dayton vs Cincinnati: key facts
- Median rent
- $1,119 → $1,203/mo
- Median home value
- $228,600 → $288,700
- Median household income
- $72,711 → $81,489
- Price level (U.S. = 100)
- 92.7 → 95.4
- Natural hazard risk (FEMA)
- Among the highest (85.0 → 82.9 of 100)
Dayton vs Cincinnati cost of living
The vertical line marks the U.S. average (100).
| Measure | Dayton, OH | Cincinnati, OH |
|---|---|---|
| Overall price level (U.S. = 100) | 92.7 | 95.4 |
| Median rent | $1,119 | $1,203 |
| Income to rent affordably (30%) | $44,760 | $48,120 |
| Median home value | $228,600 | $288,700 |
| Monthly cost to own (20% down) | $1,578 | $1,900 |
| Income needed to buy | $67,617 | $81,425 |
| Median property tax | $3,208 | $3,255 |
| State income tax on $75,000 | $1,287 | $1,287 |
| City income tax (inside city limits) | $1,875 | $1,350 |
| Metro population | 821,740 | 2,304,804 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Commuters who live elsewhere often pay a nonresident rate, and many suburbs levy their own local tax, so unticking a city's box in the calculator estimates a typical suburban rate for it instead.
- 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. Take-home figures include the resident tax.
- 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. Take-home figures include the resident tax.
Your yearly budget: Dayton vs Cincinnati
On a $75,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $40,862 a year in Dayton and $41,345 in Cincinnati if you rent: $483 more after the move. If you buy the median home, they come to $46,367 and $49,708 ($3,341 more).
Your yearly budget, before vs after
| Yearly cost | DaytonBefore | CincinnatiAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $75,000, single filer | $16,570 | $16,045 | -$525 |
| Electricity state average bill | $1,622 | $1,622 | $0 |
| Car insurance one car, state average | $947 | $947 | $0 |
| Gas 12,000 miles at 25 mpg | $2,139 | $2,139 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $6,156 | $6,156 | $0 |
| If you rent | |||
| Rent median, 12 months | $13,428 | $14,436 | +$1,008 |
| Total if you rent | $40,862 | $41,345 | +$483 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $14,527 | $18,346 | +$3,819 |
| Property tax median home | $3,208 | $3,255 | +$47 |
| Homeowners insurance state median, with a mortgage | $1,198 | $1,198 | $0 |
| Total if you buy | $46,367 | $49,708 | +$3,341 |
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. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, 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 September 23, 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 $13,780 a year in Dayton and $13,780 in Cincinnati (Child Care Aware of America, 2024 state averages).
Who moves from Dayton to Cincinnati
About 2,988 households (4,720 people) moved from the Dayton metro area to the Cincinnati metro area in 2022–2023, making Cincinnati the #1 destination for people leaving Dayton among the 149 metro areas we cover. 3,018 households moved the other way. Their average adjusted gross income was $71,402.
Cost to move from Dayton to Cincinnati
| 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: Dayton vs Cincinnati
FEMA's National Risk Index rates the Dayton area among the highest (score 85) and the Cincinnati area among the highest (score 82.9), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $233 vs $289 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Cincinnati cheaper than Dayton?
Overall prices in the Cincinnati area are 2.9% higher than in Dayton (BEA Regional Price Parities 2024). Median rent is $1,203 vs $1,119 a month, and the median home is $288,700 vs $228,600.
What salary do I need in Cincinnati to match $100,000 in Dayton?
About $102,200, after 2026 federal taxes and local prices. Both are in Ohio, so state income tax is the same.
How much does it cost to move from Dayton to Cincinnati?
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 Dayton to Cincinnati?
IRS county migration data for 2022–2023 show about 2,988 households (4,720 people) moved from the Dayton metro area to the Cincinnati metro area, and 3,018 moved the other way.
Related
Where people from Dayton move
- Dayton to Columbus 1,233 households
- Chicago 174 households
- Cleveland 168 households
- Indianapolis 121 households
- Tampa 114 households
- Dallas 101 households
- San Antonio 99 households
- Atlanta 94 households