Cost of Living Comparison Between Cincinnati, OH and Katy, TX Cost of Living Comparison Between Cincinnati, OH and Katy, TX

Monthly Cost of Living

A single person spends $2,193 per month in Cincinnati, OH vs $2,706 in Katy, TX, rent included.

A couple spends around $3,294 per month in Cincinnati, OH vs $3,578 in Katy, TX, rent included.

A family of three spends $4,395 per month in Cincinnati, OH vs $4,451 in Katy, TX, rent included.

Cincinnati, OH is about 19% cheaper than Katy, TX, driven mainly by Groceries & Markets.

Both Cincinnati, OH and Katy, TX sit above the global median – Cincinnati, OH by 64%, Katy, TX by 103%.

Meal at Budget Restaurant

$15.11 $15.11

$13.39 $13.39

12.85%

Three-Course Dinner for Two, Mid-Range

$60.8 $60.8

$59.4 $59.4

2.44%

Fast Food Meal (McDonalds, etc)

$8.01 $8.01

$8.94 $8.94

-10.40%

Cappuccino

$4.27 $4.27

$4.45 $4.45

-4.04%

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

$2.23 $2.23

$2.37 $2.37

-5.91%

Water (0.33 liter bottle)

$2.13 $2.13

$2.00 $2.00

6.50%

Local Beer (0.5 liter draught)

$4.92 $4.92

$4.05 $4.05

21.48%

Imported Beer (0.33 liter bottle)

$7.12 $7.12

$5.86 $5.86

21.50%

Milk (1 liter)

$0.76 $0.76

$0.97 $0.97

-21.65%

White Bread (500g)

$3.28 $3.28

$3.07 $3.07

6.84%

Rice (white) (1kg)

$3.82 $3.82

$4.81 $4.81

-20.58%

Eggs

$3.34 $3.34

$3.02 $3.02

10.60%

Local Cheese (1kg)

$10.43 $10.43

$10.65 $10.65

-2.07%

Chicken Fillets (1kg)

$9.38 $9.38

$9.98 $9.98

-6.01%

Beef Round Steak (1kg)

$15.19 $15.19

$14.93 $14.93

1.74%

Apples (1kg)

$4.84 $4.84

$3.73 $3.73

29.76%

Banana (1kg)

$1.39 $1.39

$1.19 $1.19

16.81%

Oranges (1kg)

$3.98 $3.98

$3.08 $3.08

29.22%

Tomato (1kg)

$4.97 $4.97

$3.26 $3.26

52.45%

Potato (1kg)

$2.07 $2.07

$1.87 $1.87

10.70%

Onion (1kg)

$2.95 $2.95

$2.40 $2.40

22.92%

Lettuce (1 head)

$1.74 $1.74

$1.78 $1.78

-2.25%

Water (1.5 liter bottle)

$1.41 $1.41

$1.28 $1.28

10.16%

Cigarettes 20 Pack (Marlboro, Camel)

$8.94 $8.94

$8.61 $8.61

3.83%

Wine (Bottle)

$15.10 $15.10

$12.55 $12.55

20.32%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$1.76 $1.76

14.77%

Imported Beer (0.33 liter bottle)

$1.83 $1.83

$1.81 $1.81

1.10%

One-way Ticket (Public Transport)

$2.04 $2.04

$3.22 $3.22

-36.65%

Public Transport Monthly Pass (Regular Price)

$79.4 $79.4

$90.4 $90.4

-12.15%

Taxi Start (Normal Tariff)

$3.67 $3.67

$3.55 $3.55

3.38%

Taxi (Normal Tariff) (1km)

$1.22 $1.22

$1.89 $1.89

-35.45%

Taxi 1hour Waiting (Normal Tariff)

$24.58 $24.58

$44.60 $44.60

-44.89%

Gasoline (1 liter)

$0.83 $0.83

$0.71 $0.71

16.90%

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

$35.1K $35.1K

$29.0K $29.0K

21.31%

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

$25.6K $25.6K

$24.6K $24.6K

4.46%

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

$121 $121

$201 $201

-39.93%

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

$56.5 $56.5

$58.7 $58.7

-3.65%

Internet (50+ Mbps, Unlimited Data)

$55.8 $55.8

$73.9 $73.9

-24.57%

Gym Membership (Monthly)

$30.63 $30.63

$30.65 $30.65

-0.07%

Tennis Court (1 Hour on Weekend)

$9.01 $9.01

$24.94 $24.94

-63.87%

Cinema Ticket

$13.99 $13.99

$13.32 $13.32

5.03%

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

$1,537 $1,537

$1,010 $1,010

52.23%

International Primary School, 1 Child (Yearly)

$17.7K $17.7K

$16.7K $16.7K

6.21%

Jeans (Levis 501 Or Similar)

$40.97 $40.97

$44.75 $44.75

-8.45%

Summer Dress (H&M, Zara, etc)

$40.49 $40.49

$41.73 $41.73

-2.97%

Sport Shoes (Adidas, Nike)

$89.4 $89.4

$87.4 $87.4

2.21%

Men's Leather Business Shoes

$101 $101

$111 $111

-9.57%

1-bedroom Apartment, City Center (Monthly)

$1,507 $1,507

$1,671 $1,671

-9.82%

1-bedroom Apartment, Outside City Center (Monthly)

$1,034 $1,034

$1,530 $1,530

-32.39%

3-bedroom Apartment, City Center (Monthly)

$2,837 $2,837

$2,353 $2,353

20.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,986 $1,986

$1,900 $1,900

4.53%

Buy Apartment in City Center (m2)

$3,803 $3,803

$2,038 $2,038

86.58%

Buy Apartment Outside City Center (m2)

$2,217 $2,217

$1,689 $1,689

31.25%

Average Monthly Net Salary (After Tax)

$4,214 $4,214

$6,105 $6,105

-30.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

6.29

3.97%

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

Last update for Cincinnati, OH: July 22, 2026

Last update for Katy, TX: July 20, 2026

Cost Breakdown

A central one-bedroom costs $1,507 in Cincinnati, OH versus $1,671 in Katy, TX. 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 45% higher in Katy, TX, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $61.0 in Cincinnati, OH versus $59.0 in Katy, TX. Monthly groceries follow the same trend: $346 vs $323 – making Katy, TX the more affordable choice for daily food spending.

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 Katy, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,193 in Cincinnati, OH, $2,706 in Katy, TX – roughly 23% apart. Katy, TX costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $3,290 per month in Cincinnati, OH and $4,059 in Katy, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cincinnati, OH, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,193 in Cincinnati, OH and $2,706 in Katy, TX. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 14% less in Cincinnati, OH. For daily commuters, that gap adds up to noticeable savings over a year.

A $3,000 monthly budget goes further in Cincinnati, OH, where all-in costs run around $2,193, than in Katy, TX at $2,706. In Cincinnati, OH it covers expenses comfortably, while in Katy, TX it requires careful planning or may not stretch far enough.

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

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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