Cincinnati, OH vs Chattanooga, TN
Moving from Cincinnati to Chattanooga? Here's what changes — from your equivalent salary to housing ($311,270 → $326,370 median home) and taxes.
Cincinnati vs Chattanooga at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Cincinnati, OH, you'd need about $98,011 in Chattanooga, TN (−$1,989).
Livability — Cincinnati, OH: 70 · Chattanooga, TN: 67 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 3,064 sqft in Chattanooga ($189 vs $163 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Chattanooga, TN | Difference |
|---|---|---|---|
| Housing | $18,900 | $18,360 | −$540 |
| Groceries | $4,718 | $4,704 | −$14 |
| Transportation | $3,025 | $3,130 | +$105 |
| Utilities | $2,100 | $1,608 | −$492 |
| Insurance | $1,300 | $2,200 | +$900 |
| Taxes | $8,820 | $4,907 | −$3,913 |
| Total | $38,863 | $34,908 | −$3,955 |
Side by side
| Metric | Cincinnati, OH | Chattanooga, TN |
|---|---|---|
| Cost-of-living index | 94.2 | 92.3 |
| Unemployment rate | 4.37% | 4.49% |
| Population growth (5-yr) | 4.5% | 2.9% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.36 | $5.25 |
| Median home price | $311,270 | $326,370 |
| Home price ÷ income | 4.1× | 5.0× |
| 1-yr home appreciation | 2.5% | 0.2% |
| Price per square foot | $189 | $163 |
| Median rent | $1,575 | $1,530 |
| Total tax burden (% income) | 10.0% | 7.6% |
| Combined sales tax | 7.24% | 9.55% |
| Capital gains tax | 3.50% | None |
| Property tax rate | 1.26% | 0.71% |
| Healthcare (annual) | $6,400 | $6,300 |
| Childcare (annual, infant) | $10,000 | $9,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 25 | 24 |
| Home insurance / yr | $1,300 | $2,200 |
| Auto insurance / yr | $1,300 | $1,600 |
| Flood insurance / yr | $600 | $700 |
| Earthquake insurance / yr | $100 | $350 |
| Electricity ¢/kWh | 19.5 | 14.9 |
| Gas $/gal | 3.25 | 2.95 |
| Natural gas / mo | $78 | $62 |
| Water & sewer / mo | $104 | $121 |
| Home internet / mo | $76 | $80 |
| Violent crime /100k | 300 | 600 |
| Avg summer high °F | 85 | 89 |
| Avg winter low °F | 20 | 30 |
| Annual precipitation (in) | 45.3 | 50.5 |
| Annual snowfall (in) | 23.3 | 4.7 |
| Sunshine (% possible) | 50% | 60% |
| Permit difficulty (1–5) | 2 | 2 |