Cincinnati, OH vs Utica, NY
Moving from Cincinnati to Utica? Here's what changes — from your equivalent salary to housing ($311,270 → $230,265 median home) and taxes.
Cincinnati vs Utica 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 $98,420 in Utica, NY (−$1,580).
Livability — Cincinnati, OH: 70 · Utica, NY: 64 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 3,475 sqft in Utica ($189 vs $144 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Utica, NY | Difference |
|---|---|---|---|
| Housing | $18,900 | $16,848 | −$2,052 |
| Groceries | $4,718 | $4,868 | +$150 |
| Transportation | $3,025 | $3,895 | +$870 |
| Utilities | $2,100 | $3,180 | +$1,080 |
| Insurance | $1,300 | $1,600 | +$300 |
| Taxes | $8,820 | $17,314 | +$8,494 |
| Total | $38,863 | $47,705 | +$8,842 |
Side by side
| Metric | Cincinnati, OH | Utica, NY |
|---|---|---|
| Cost-of-living index | 94.2 | 92.7 |
| Unemployment rate | 4.37% | 4.37% |
| Population growth (5-yr) | 4.5% | -1.3% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.36 | $5.28 |
| Median home price | $311,270 | $230,265 |
| Home price ÷ income | 4.1× | 3.4× |
| 1-yr home appreciation | 2.5% | 8.1% |
| Price per square foot | $189 | $144 |
| Median rent | $1,575 | $1,404 |
| Total tax burden (% income) | 10.0% | 15.9% |
| Combined sales tax | 7.24% | 8.52% |
| Capital gains tax | 3.50% | 10.90% |
| Property tax rate | 1.26% | 2.26% |
| Healthcare (annual) | $6,400 | $7,800 |
| Childcare (annual, infant) | $10,000 | $17,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 25 | 21 |
| Home insurance / yr | $1,300 | $1,600 |
| Auto insurance / yr | $1,300 | $2,100 |
| Flood insurance / yr | $600 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 19.5 | 29.4 |
| Gas $/gal | 3.25 | 3.45 |
| Natural gas / mo | $78 | $98 |
| Water & sewer / mo | $104 | $87 |
| Home internet / mo | $76 | $76 |
| Violent crime /100k | 300 | 350 |
| Avg summer high °F | 85 | 83 |
| Avg winter low °F | 20 | 16 |
| Annual precipitation (in) | 45.3 | 40.0 |
| Annual snowfall (in) | 23.3 | 48.0 |
| Sunshine (% possible) | 50% | 50% |
| Permit difficulty (1–5) | 2 | 5 |