Last update: Oct 2026

Cost of Living Comparison Between Cincinnati, OH and Florence, KY

For one person, living costs are similar in Cincinnati, OH and in Florence, KY: $2,284 and $2,275 a month, rent and utilities included.

109

Cost of Living Index in Cincinnati, OH
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Cincinnati, OH Living Index
109

Cost of Living Index in Florence, KY
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Florence, KY Living Index

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Cincinnati, OH

🇺🇸 United States

$2,284

/mo nomad

Florence, KY

🇺🇸 United States

$2,275

/mo nomad

Monthly Cost of Living

How much you'll spend in Cincinnati, OH and in Florence, KY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cincinnati, OH and in Florence, KY actually costs, broken down by who's living it.

A single person spends $2,284 per month in Cincinnati, OH vs $2,275 in Florence, KY, rent included.

Cincinnati, OH $2,284
Florence, KY $2,275

A couple spends around $3,409 per month in Cincinnati, OH vs $3,341 in Florence, KY, rent included.

Cincinnati, OH $3,409
Florence, KY $3,341

A family of three spends $4,534 per month in Cincinnati, OH vs $4,407 in Florence, KY, rent included.

Cincinnati, OH $4,534
Florence, KY $4,407

Cincinnati, OH and Florence, KY have comparable living costs – the differences are in the details.

Both Cincinnati, OH and Florence, KY sit above the global median – Cincinnati, OH by 68%, Florence, KY by 67%.

Meal at Budget Restaurant

$15.04 $15.04

$14.83 $14.83

1.42%

Three-Course Dinner for Two, Mid-Range

$50.3 $50.3

$72.4 $72.4

-30.59%

Fast Food Meal (McDonalds, etc)

$10.03 $10.03

$9.63 $9.63

4.15%

Cappuccino

$5.07 $5.07

$5.01 $5.01

1.20%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.31 $2.31

$2.23 $2.23

3.59%

Water (0.33 liter bottle)

$1.67 $1.67

$1.70 $1.70

-1.76%

Local Beer (0.5 liter draught)

$5.59 $5.59

$6.10 $6.10

-8.36%

Imported Beer (0.33 liter bottle)

$7.60 $7.60

$7.09 $7.09

7.19%

Milk (1 liter)

$0.88 $0.88

$0.79 $0.79

11.39%

White Bread (500g)

$3.24 $3.24

$3.39 $3.39

-4.42%

Rice (white) (1kg)

$4.14 $4.14

$4.01 $4.01

3.24%

Eggs

$4.09 $4.09

$3.53 $3.53

15.86%

Local Cheese (1kg)

$13.06 $13.06

$12.87 $12.87

1.48%

Chicken Fillets (1kg)

$11.07 $11.07

$11.80 $11.80

-6.19%

Beef Round Steak (1kg)

$16.30 $16.30

$16.17 $16.17

0.80%

Apples (1kg)

$5.71 $5.71

$5.53 $5.53

3.25%

Banana (1kg)

$1.65 $1.65

Oranges (1kg)

$4.37 $4.37

$4.68 $4.68

-6.62%

Tomato (1kg)

$4.76 $4.76

$4.58 $4.58

3.93%

Potato (1kg)

$2.56 $2.56

$2.61 $2.61

-1.92%

Onion (1kg)

$3.14 $3.14

$2.88 $2.88

9.03%

Lettuce (1 head)

$2.02 $2.02

$2.12 $2.12

-4.72%

Water (1.5 liter bottle)

$1.92 $1.92

$1.86 $1.86

3.23%

Cigarettes 20 Pack (Marlboro, Camel)

$9.75 $9.75

$8.81 $8.81

10.67%

Wine (Bottle)

$14.94 $14.94

$15.76 $15.76

-5.20%

Local Beer (0.5 liter bottle)

$2.07 $2.07

Imported Beer (0.33 liter bottle)

$2.96 $2.96

$2.99 $2.99

-1.00%

One-way Ticket (Public Transport)

$2.72 $2.72

$2.03 $2.03

33.99%

Public Transport Monthly Pass (Regular Price)

$107 $107

$65.9 $65.9

62.22%

Taxi Start (Normal Tariff)

$3.82 $3.82

$2.80 $2.80

36.43%

Taxi (Normal Tariff) (1km)

$1.25 $1.25

$1.27 $1.27

-1.57%

Taxi 1hour Waiting (Normal Tariff)

$24.56 $24.56

$25.02 $25.02

-1.84%

Gasoline (1 liter)

$1.04 $1.04

$0.99 $0.99

5.05%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.9K $35.9K

$33.6K $33.6K

6.87%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.3K $26.3K

$25.8K $25.8K

1.98%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$151 $151

$179 $179

-15.32%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$76.8 $76.8

$58.2 $58.2

32.06%

Internet (50+ Mbps, Unlimited Data)

$71.6 $71.6

$67.6 $67.6

5.98%

Gym Membership (Monthly)

$34.11 $34.11

$17.18 $17.18

98.54%

Tennis Court (1 Hour on Weekend)

$13.79 $13.79

Cinema Ticket

$15.29 $15.29

$15.10 $15.10

1.26%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,341 $1,341

$1,238 $1,238

8.35%

International Primary School, 1 Child (Yearly)

$19.1K $19.1K

$16.1K $16.1K

18.88%

Jeans (Levis 501 Or Similar)

$45.25 $45.25

$50.8 $50.8

-10.93%

Summer Dress (H&M, Zara, etc)

$44.81 $44.81

$45.09 $45.09

-0.62%

Sport Shoes (Adidas, Nike)

$83.2 $83.2

$89.7 $89.7

-7.23%

Men's Leather Business Shoes

$110 $110

0.04%

1-bedroom Apartment, City Center (Monthly)

$1,505 $1,505

$1,306 $1,306

15.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,005 $1,005

$1,050 $1,050

-4.21%

3-bedroom Apartment, City Center (Monthly)

$3,024 $3,024

$2,024 $2,024

49.41%

3-bedroom Apartment, Outside City Center (Monthly)

$1,784 $1,784

$1,694 $1,694

5.31%

Buy Apartment in City Center (m2)

$3,610 $3,610

$1,889 $1,889

91.07%

Buy Apartment Outside City Center (m2)

$2,016 $2,016

$1,242 $1,242

62.25%

Average Monthly Net Salary (After Tax)

$4,191 $4,191

$3,517 $3,517

19.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Cincinnati, OH: October 26, 2026

Last update for Florence, KY: October 27, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Cincinnati, OH

$1K 44%

Florence, KY

$1K 46.1% 4.4% $44

Groceries & Markets

Cincinnati, OH

$389 17%

Florence, KY

$389 17.1% 0.2% $0.8

Monthly Utilities & Internet

Cincinnati, OH

$300 13.1%

Florence, KY

$305 13.4% 1.6% $4.7

Eating Out

Cincinnati, OH

$270 11.8%

Florence, KY

$268 11.8% 0.8% $2.2

Getting Around

Cincinnati, OH

$128 5.6%

Florence, KY

$83 3.7% 35% $45

Clothing & Footwear

Cincinnati, OH

$127 5.6%

Florence, KY

$133 5.8% 4.3% $5.5

Sport & Entertainment

Cincinnati, OH

$65 2.8%

Florence, KY

$47 2.1% 26.8% $17

Cost Breakdown

A central one-bedroom costs $1,505 in Cincinnati, OH versus $1,306 in Florence, KY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 19% higher in Cincinnati, OH. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $50 in Cincinnati, OH versus $72 in Florence, KY. Monthly groceries follow the same trend: $389 vs $389 – making Cincinnati, OH the more affordable choice for daily food spending.

Good to know

🇺🇸 Cincinnati, OH

🇺🇸 Florence, KY

🕒 Local time

18:14 6:14 PM

Same time as Cincinnati, OH

🌤 Weather

👥 Population

298,800

40,184

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

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Cincinnati, OH
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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Cincinnati, OH vs Florence, KY: Cost of Living - Frequently Asked Questions

For a comfortable life, plan on about $3,426 per month in Cincinnati, OH and $3,413 in Florence, KY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Florence, KY, especially for central apartments: a one-bedroom in the center costs $1,306 there versus $1,505 in Cincinnati, OH.

Kindergarten costs $1,341 per month in Cincinnati, OH and $1,238 in Florence, KY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Public transport costs about 38% less in Florence, KY. For daily commuters, that gap adds up to noticeable savings over a year.

Families tend to lean toward Florence, KY – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Florence, KY. If higher salaries or specific career opportunities are the priority, Cincinnati, OH makes more sense. Both are solid long-term options with distinct trade-offs.