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 $2,125 per month in Cincinnati, OH vs $2,728 in Katy, TX, rent included.

A couple spends around $3,297 per month in Cincinnati, OH vs $3,581 in Katy, TX, rent included.

A family of three spends $4,470 per month in Cincinnati, OH vs $4,435 in Katy, TX, rent included.

Cincinnati, OH is about 22% cheaper than Katy, TX, driven mainly by Groceries & Markets.

Both Cincinnati, OH and Katy, TX sit above the global median – Cincinnati, OH by 59%, Katy, TX by 104%.

Meal at Budget Restaurant

$14.90 $14.90

$13.32 $13.32

11.86%

Three-Course Dinner for Two, Mid-Range

$59.1 $59.1

$59.7 $59.7

-0.91%

Fast Food Meal (McDonalds, etc)

$8.15 $8.15

$8.92 $8.92

-8.63%

Cappuccino

$4.47 $4.47

$4.45 $4.45

0.45%

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

$2.23 $2.23

$2.33 $2.33

-4.29%

Water (0.33 liter bottle)

$2.14 $2.14

$2.00 $2.00

7.00%

Local Beer (0.5 liter draught)

$4.90 $4.90

$4.07 $4.07

20.39%

Imported Beer (0.33 liter bottle)

$6.93 $6.93

$6.06 $6.06

14.36%

Milk (1 liter)

$0.83 $0.83

$1.00 $1.00

-17.00%

White Bread (500g)

$3.32 $3.32

$3.07 $3.07

8.14%

Rice (white) (1kg)

$3.87 $3.87

$4.80 $4.80

-19.37%

Eggs

$3.25 $3.25

$3.05 $3.05

6.56%

Local Cheese (1kg)

$10.37 $10.37

$10.90 $10.90

-4.86%

Chicken Fillets (1kg)

$9.58 $9.58

$10.00 $10.00

-4.20%

Beef Round Steak (1kg)

$15.51 $15.51

$15.02 $15.02

3.26%

Apples (1kg)

$4.69 $4.69

$3.74 $3.74

25.40%

Banana (1kg)

$1.44 $1.44

$1.20 $1.20

20.00%

Oranges (1kg)

$3.93 $3.93

$3.01 $3.01

30.56%

Tomato (1kg)

$5.06 $5.06

$3.13 $3.13

61.66%

Potato (1kg)

$2.08 $2.08

$1.91 $1.91

8.90%

Onion (1kg)

$3.05 $3.05

$2.45 $2.45

24.49%

Lettuce (1 head)

$1.76 $1.76

$1.68 $1.68

4.76%

Water (1.5 liter bottle)

$1.41 $1.41

$1.22 $1.22

15.57%

Cigarettes 20 Pack (Marlboro, Camel)

$8.92 $8.92

$8.84 $8.84

0.90%

Wine (Bottle)

$15.04 $15.04

$12.67 $12.67

18.71%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$1.78 $1.78

12.36%

Imported Beer (0.33 liter bottle)

$1.75 $1.75

$1.84 $1.84

-4.89%

One-way Ticket (Public Transport)

$2.04 $2.04

$3.34 $3.34

-38.92%

Public Transport Monthly Pass (Regular Price)

$79.6 $79.6

$88.6 $88.6

-10.19%

Taxi Start (Normal Tariff)

$3.68 $3.68

$3.60 $3.60

2.22%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$1.91 $1.91

-36.65%

Taxi 1hour Waiting (Normal Tariff)

$24.64 $24.64

$45.76 $45.76

-46.15%

Gasoline (1 liter)

$0.89 $0.89

$0.73 $0.73

21.92%

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

$35.1K $35.1K

$29.4K $29.4K

19.71%

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

$24.7K $24.7K

$23.8K $23.8K

3.83%

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

$119 $119

$198 $198

-39.76%

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

$56.9 $56.9

$60.6 $60.6

-6.07%

Internet (50+ Mbps, Unlimited Data)

$57.0 $57.0

$74.6 $74.6

-23.56%

Gym Membership (Monthly)

$30.32 $30.32

$31.01 $31.01

-2.23%

Tennis Court (1 Hour on Weekend)

$8.50 $8.50

$25.48 $25.48

-66.64%

Cinema Ticket

$13.96 $13.96

$13.70 $13.70

1.90%

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

$1,595 $1,595

$993 $993

60.60%

International Primary School, 1 Child (Yearly)

$17.1K $17.1K

$16.1K $16.1K

6.31%

Jeans (Levis 501 Or Similar)

$41.05 $41.05

$45.20 $45.20

-9.18%

Summer Dress (H&M, Zara, etc)

$39.57 $39.57

$40.81 $40.81

-3.04%

Sport Shoes (Adidas, Nike)

$90.2 $90.2

$89.9 $89.9

0.26%

Men's Leather Business Shoes

$99.2 $99.2

$113 $113

-12.44%

1-bedroom Apartment, City Center (Monthly)

$1,476 $1,476

$1,728 $1,728

-14.60%

1-bedroom Apartment, Outside City Center (Monthly)

$1,055 $1,055

$1,509 $1,509

-30.08%

3-bedroom Apartment, City Center (Monthly)

$2,899 $2,899

$2,320 $2,320

24.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,965 $1,965

$1,891 $1,891

3.90%

Buy Apartment in City Center (m2)

$3,481 $3,481

$2,013 $2,013

72.96%

Buy Apartment Outside City Center (m2)

$2,073 $2,073

$1,691 $1,691

22.59%

Average Monthly Net Salary (After Tax)

$4,055 $4,055

$6,085 $6,085

-33.36%

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: June 1, 2026

Last update for Katy, TX: May 30, 2026

Cost Breakdown

A central one-bedroom costs $1,476 in Cincinnati, OH versus $1,728 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 50% 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 $59.0 in Cincinnati, OH versus $60.0 in Katy, TX. Groceries tell a different story – $349 in Cincinnati, OH vs $323 in Katy, TX – so Katy, TX wins on supermarket bills even if dining out costs more.

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: $2,125 in Cincinnati, OH, $2,728 in Katy, TX – roughly 28% apart. Katy, TX costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $3,187 per month in Cincinnati, OH and $4,092 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 $2,125 in Cincinnati, OH and $2,728 in Katy, TX. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 11% 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 $2,125, than in Katy, TX at $2,728. 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.