Last update: Oct 2026

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

For one person, living is cheaper in Cincinnati, OH: $2,280 a month against $2,451 in Katy, TX, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Katy, TX outweigh lower spending on other living expenses.

108

Cost of Living Index in Cincinnati, OH
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Cincinnati, OH Living Index
117

Cost of Living Index in Katy, TX
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Katy, TX Living Index

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Cincinnati, OH

🇺🇸 United States

$2,280

/mo nomad

Katy, TX

🇺🇸 United States

$2,451

/mo nomad

Monthly Cost of Living

How much you'll spend in Cincinnati, OH and in Katy, TX

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 Katy, TX actually costs, broken down by who's living it.

A single person spends $2,280 per month in Cincinnati, OH vs $2,451 in Katy, TX, rent included.

Cincinnati, OH $2,280
Katy, TX $2,451

A couple spends around $3,396 per month in Cincinnati, OH vs $3,581 in Katy, TX, rent included.

Cincinnati, OH $3,396
Katy, TX $3,581

A family of three spends $4,512 per month in Cincinnati, OH vs $4,711 in Katy, TX, rent included.

Cincinnati, OH $4,512
Katy, TX $4,711

Cincinnati, OH is about 7% cheaper than Katy, TX, and outside of rent the biggest gap is in clothing.

Both Cincinnati, OH and Katy, TX sit above the global median – Cincinnati, OH by 69%, Katy, TX by 81%.

Meal at Budget Restaurant

$15.21 $15.21

$16.88 $16.88

-9.89%

Three-Course Dinner for Two, Mid-Range

$55.2 $55.2

$60.6 $60.6

-8.85%

Fast Food Meal (McDonalds, etc)

$8.99 $8.99

$8.85 $8.85

1.58%

Cappuccino

$4.93 $4.93

$3.49 $3.49

41.26%

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

$2.29 $2.29

$1.98 $1.98

15.66%

Water (0.33 liter bottle)

$1.72 $1.72

$2.13 $2.13

-19.25%

Local Beer (0.5 liter draught)

$5.11 $5.11

$4.07 $4.07

25.55%

Imported Beer (0.33 liter bottle)

$7.71 $7.71

$5.53 $5.53

39.42%

Milk (1 liter)

$0.91 $0.91

$0.95 $0.95

-4.21%

White Bread (500g)

$3.25 $3.25

$3.53 $3.53

-7.93%

Rice (white) (1kg)

$4.02 $4.02

$3.06 $3.06

31.37%

Eggs

$4.17 $4.17

$3.05 $3.05

36.72%

Local Cheese (1kg)

$12.77 $12.77

$13.08 $13.08

-2.37%

Chicken Fillets (1kg)

$11.09 $11.09

$9.66 $9.66

14.80%

Beef Round Steak (1kg)

$16.02 $16.02

$16.72 $16.72

-4.19%

Apples (1kg)

$5.53 $5.53

$3.83 $3.83

44.39%

Banana (1kg)

$1.59 $1.59

$1.24 $1.24

28.23%

Oranges (1kg)

$4.46 $4.46

$3.12 $3.12

42.95%

Tomato (1kg)

$4.75 $4.75

$3.25 $3.25

46.15%

Potato (1kg)

$2.51 $2.51

$2.10 $2.10

19.52%

Onion (1kg)

$3.19 $3.19

$2.49 $2.49

28.11%

Lettuce (1 head)

$2.05 $2.05

$1.78 $1.78

15.17%

Water (1.5 liter bottle)

$1.93 $1.93

$1.22 $1.22

58.20%

Cigarettes 20 Pack (Marlboro, Camel)

$10.00 $10.00

$9.68 $9.68

3.31%

Wine (Bottle)

$15.21 $15.21

$12.75 $12.75

19.29%

Local Beer (0.5 liter bottle)

$2.05 $2.05

$1.70 $1.70

20.59%

Imported Beer (0.33 liter bottle)

$2.98 $2.98

$1.58 $1.58

88.61%

One-way Ticket (Public Transport)

$2.72 $2.72

$2.02 $2.02

34.65%

Public Transport Monthly Pass (Regular Price)

$107 $107

0.67%

Taxi Start (Normal Tariff)

$3.71 $3.71

$2.68 $2.68

38.43%

Taxi (Normal Tariff) (1km)

$1.26 $1.26

$1.58 $1.58

-20.25%

Taxi 1hour Waiting (Normal Tariff)

$24.82 $24.82

$35.07 $35.07

-29.23%

Gasoline (1 liter)

$1.09 $1.09

$0.85 $0.85

28.24%

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

$36.5K $36.5K

$32.3K $32.3K

12.74%

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

$26.5K $26.5K

$24.5K $24.5K

8.42%

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

$152 $152

$246 $246

-38.29%

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

$79.2 $79.2

$58.9 $58.9

34.46%

Internet (50+ Mbps, Unlimited Data)

$71.6 $71.6

$70.7 $70.7

1.30%

Gym Membership (Monthly)

$32.53 $32.53

$25.59 $25.59

27.12%

Tennis Court (1 Hour on Weekend)

$13.65 $13.65

$25.19 $25.19

-45.81%

Cinema Ticket

$15.07 $15.07

$11.91 $11.91

26.53%

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

$1,327 $1,327

$1,009 $1,009

31.59%

International Primary School, 1 Child (Yearly)

$25.3K $25.3K

$17.8K $17.8K

42.36%

Jeans (Levis 501 Or Similar)

$44.91 $44.91

$52.8 $52.8

-14.88%

Summer Dress (H&M, Zara, etc)

$44.15 $44.15

$43.00 $43.00

2.67%

Sport Shoes (Adidas, Nike)

$85.8 $85.8

$86.9 $86.9

-1.27%

Men's Leather Business Shoes

$107 $107

$109 $109

-1.91%

1-bedroom Apartment, City Center (Monthly)

$1,497 $1,497

$1,544 $1,544

-2.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,008 $1,008

$1,186 $1,186

-15.02%

3-bedroom Apartment, City Center (Monthly)

$3,044 $3,044

$2,750 $2,750

10.71%

3-bedroom Apartment, Outside City Center (Monthly)

$1,750 $1,750

$2,026 $2,026

-13.59%

Buy Apartment in City Center (m2)

$3,529 $3,529

$2,098 $2,098

68.25%

Buy Apartment Outside City Center (m2)

$1,993 $1,993

$1,542 $1,542

29.29%

Average Monthly Net Salary (After Tax)

$4,191 $4,191

$4,102 $4,102

2.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.84

6.41

6.71%

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

Last update for Cincinnati, OH: October 31, 2026

Last update for Katy, TX: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Cincinnati, OH

$1K 44.2%

Katy, TX

$1.2K 48.4% 17.7% $178

Groceries & Markets

Cincinnati, OH

$387 17%

Katy, TX

$332 13.6% 14.1% $54

Monthly Utilities & Internet

Cincinnati, OH

$302 13.3%

Katy, TX

$375 15.3% 24.1% $73

Eating Out

Cincinnati, OH

$265 11.6%

Katy, TX

$251 10.3% 5.1% $14

Getting Around

Cincinnati, OH

$128 5.6%

Katy, TX

$125 5.1% 2.3% $3

Clothing & Footwear

Cincinnati, OH

$127 5.6%

Katy, TX

$131 5.4% 3.5% $4.4

Sport & Entertainment

Cincinnati, OH

$63 2.8%

Katy, TX

$49 2% 21.1% $13

Cost Breakdown

A central one-bedroom costs $1,497 in Cincinnati, OH versus $1,544 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.

A mid-range dinner for two costs $55 in Cincinnati, OH versus $61 in Katy, TX. Groceries tell a different story – $387 in Cincinnati, OH vs $332 in Katy, TX – so Katy, TX wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Cincinnati, OH

🇺🇸 Katy, TX

🕒 Local time

07:16 7:16 AM

06:16 6:16 AM

1 h behind Cincinnati, OH

🌤 Weather

👥 Population

298,800

14,102

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.892 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Cincinnati, OH Katy, TX 1,460 km ≈ 2 h 15 min nonstop flight

From you

Cincinnati, OH
Katy, TX

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 Katy, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,280 in Cincinnati, OH, $2,451 in Katy, TX – Cincinnati, OH comes out roughly 7% cheaper. Outside of rent, the biggest gap is in clothing.

For a comfortable life, plan on about $3,420 per month in Cincinnati, OH and $3,677 in Katy, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,497 in Cincinnati, OH and $1,544 in Katy, TX. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

A mid-range dinner for two costs $55 in Cincinnati, OH and $61 in Katy, TX. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 14% cheaper in Katy, TX – one category where the pricier city actually offers better value.

$3,000 covers both cities comfortably – all-in costs are $2,280 in Cincinnati, OH and $2,451 in Katy, TX, leaving budget for savings and extras in both cases.

It depends on your priorities. Katy, TX has an edge in some lifestyle areas, with costs from $2,280 in Cincinnati, OH to $2,451 in Katy, TX. Climate, culture, job market, and personal taste all factor in.