Last update: Oct 2026

Cost of Living Comparison Between Cincinnati, OH and Utica, NY

For one person, living is cheaper in Cincinnati, OH: $2,284 a month against $2,493 in Utica, NY, rent and utilities included – about $2,500 less a year. Higher rent and utilities in Utica, NY outweigh lower spending on other living expenses.

109

Cost of Living Index in Cincinnati, OH
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Cincinnati, OH Living Index
120

Cost of Living Index in Utica, NY
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Utica, NY Living Index

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Cincinnati, OH

🇺🇸 United States

$2,284

/mo nomad

Utica, NY

🇺🇸 United States

$2,493

/mo nomad

Monthly Cost of Living

How much you'll spend in Cincinnati, OH and in Utica, NY

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 Utica, NY actually costs, broken down by who's living it.

A single person spends $2,284 per month in Cincinnati, OH vs $2,493 in Utica, NY, rent included.

Cincinnati, OH $2,284
Utica, NY $2,493

A couple spends around $3,409 per month in Cincinnati, OH vs $3,889 in Utica, NY, rent included.

Cincinnati, OH $3,409
Utica, NY $3,889

A family of three spends $4,534 per month in Cincinnati, OH vs $5,286 in Utica, NY, rent included.

Cincinnati, OH $4,534
Utica, NY $5,286

Cincinnati, OH is about 8% cheaper than Utica, NY, and outside of rent the biggest gap is in eating out.

Both Cincinnati, OH and Utica, NY sit above the global median – Cincinnati, OH by 68%, Utica, NY by 83%.

Meal at Budget Restaurant

$15.04 $15.04

$17.17 $17.17

-12.41%

Three-Course Dinner for Two, Mid-Range

$50.3 $50.3

$75.1 $75.1

-33.06%

Fast Food Meal (McDonalds, etc)

$10.03 $10.03

$10.98 $10.98

-8.65%

Cappuccino

$5.07 $5.07

$5.31 $5.31

-4.52%

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

$2.31 $2.31

$2.83 $2.83

-18.37%

Water (0.33 liter bottle)

$1.67 $1.67

$1.66 $1.66

0.60%

Local Beer (0.5 liter draught)

$5.59 $5.59

$4.95 $4.95

12.93%

Imported Beer (0.33 liter bottle)

$7.60 $7.60

$6.14 $6.14

23.78%

Milk (1 liter)

$0.88 $0.88

$0.95 $0.95

-7.37%

White Bread (500g)

$3.24 $3.24

$3.39 $3.39

-4.42%

Rice (white) (1kg)

$4.14 $4.14

$2.89 $2.89

43.25%

Eggs

$4.09 $4.09

$4.65 $4.65

-12.04%

Local Cheese (1kg)

$13.06 $13.06

$12.92 $12.92

1.08%

Chicken Fillets (1kg)

$11.07 $11.07

$9.79 $9.79

13.07%

Beef Round Steak (1kg)

$16.30 $16.30

$15.54 $15.54

4.89%

Apples (1kg)

$5.71 $5.71

$4.81 $4.81

18.71%

Banana (1kg)

$1.65 $1.65

$1.54 $1.54

7.14%

Oranges (1kg)

$4.37 $4.37

$4.05 $4.05

7.90%

Tomato (1kg)

$4.76 $4.76

$5.02 $5.02

-5.18%

Potato (1kg)

$2.56 $2.56

$1.57 $1.57

63.06%

Onion (1kg)

$3.14 $3.14

$2.12 $2.12

48.11%

Lettuce (1 head)

$2.02 $2.02

$2.41 $2.41

-16.18%

Water (1.5 liter bottle)

$1.92 $1.92

$2.39 $2.39

-19.67%

Cigarettes 20 Pack (Marlboro, Camel)

$9.75 $9.75

$13.68 $13.68

-28.73%

Wine (Bottle)

$14.94 $14.94

$12.03 $12.03

24.19%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$2.00 $2.00

3.50%

Imported Beer (0.33 liter bottle)

$2.96 $2.96

$3.48 $3.48

-14.94%

One-way Ticket (Public Transport)

$2.72 $2.72

$1.46 $1.46

86.30%

Public Transport Monthly Pass (Regular Price)

$107 $107

$43.35 $43.35

146.71%

Taxi Start (Normal Tariff)

$3.82 $3.82

$5.14 $5.14

-25.68%

Taxi (Normal Tariff) (1km)

$1.25 $1.25

$2.18 $2.18

-42.66%

Taxi 1hour Waiting (Normal Tariff)

$24.56 $24.56

$45.36 $45.36

-45.86%

Gasoline (1 liter)

$1.04 $1.04

$0.89 $0.89

16.85%

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

$35.9K $35.9K

$31.5K $31.5K

13.88%

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

$26.3K $26.3K

$24.7K $24.7K

6.45%

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

$151 $151

$186 $186

-18.54%

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

$76.8 $76.8

$53.0 $53.0

44.89%

Internet (50+ Mbps, Unlimited Data)

$71.6 $71.6

$66.9 $66.9

7.01%

Gym Membership (Monthly)

$34.11 $34.11

$40.48 $40.48

-15.74%

Tennis Court (1 Hour on Weekend)

$13.79 $13.79

Cinema Ticket

$15.29 $15.29

$12.81 $12.81

19.36%

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

$1,341 $1,341

$796 $796

68.46%

International Primary School, 1 Child (Yearly)

$19.1K $19.1K

$32.8K $32.8K

-41.66%

Jeans (Levis 501 Or Similar)

$45.25 $45.25

$53.2 $53.2

-14.96%

Summer Dress (H&M, Zara, etc)

$44.81 $44.81

$45.50 $45.50

-1.52%

Sport Shoes (Adidas, Nike)

$83.2 $83.2

$82.2 $82.2

1.18%

Men's Leather Business Shoes

$110 $110

$89.9 $89.9

22.12%

1-bedroom Apartment, City Center (Monthly)

$1,505 $1,505

$1,209 $1,209

24.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,005 $1,005

$1,274 $1,274

-21.08%

3-bedroom Apartment, City Center (Monthly)

$3,024 $3,024

$2,074 $2,074

45.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,784 $1,784

$2,581 $2,581

-30.87%

Buy Apartment in City Center (m2)

$3,610 $3,610

$1,693 $1,693

113.19%

Buy Apartment Outside City Center (m2)

$2,016 $2,016

$1,709 $1,709

17.97%

Average Monthly Net Salary (After Tax)

$4,191 $4,191

$3,604 $3,604

16.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.52

1.07%

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

Last update for Cincinnati, OH: October 26, 2026

Last update for Utica, NY: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Cincinnati, OH

$1K 44%

Utica, NY

$1.3K 51.1% 26.7% $269

Groceries & Markets

Cincinnati, OH

$389 17%

Utica, NY

$371 14.9% 4.6% $18

Monthly Utilities & Internet

Cincinnati, OH

$300 13.1%

Utica, NY

$306 12.3% 2% $6

Eating Out

Cincinnati, OH

$270 11.8%

Utica, NY

$289 11.6% 6.9% $19

Getting Around

Cincinnati, OH

$128 5.6%

Utica, NY

$65 2.6% 49% $63

Clothing & Footwear

Cincinnati, OH

$127 5.6%

Utica, NY

$122 4.9% 4.3% $5.5

Sport & Entertainment

Cincinnati, OH

$65 2.8%

Utica, NY

$66 2.7% 2.2% $1.4

Cost Breakdown

A central one-bedroom costs $1,505 in Cincinnati, OH versus $1,209 in Utica, NY. 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 16% higher in Cincinnati, OH, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $50 in Cincinnati, OH versus $75 in Utica, NY. Groceries tell a different story – $389 in Cincinnati, OH vs $371 in Utica, NY – so Utica, NY wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Cincinnati, OH

🇺🇸 Utica, NY

🕒 Local time

21:57 9:57 PM

Same time as Cincinnati, OH

🌤 Weather

👥 Population

298,800

65,283

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Cincinnati, OH Utica, NY 890 km ≈ 1 h 30 min nonstop flight

From you

Cincinnati, OH
Utica, NY

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 Utica, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,284 in Cincinnati, OH, $2,493 in Utica, NY – Cincinnati, OH comes out roughly 8% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,426 per month in Cincinnati, OH and $3,739 in Utica, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Utica, NY, especially for central apartments: a one-bedroom in the center costs $1,209 there versus $1,505 in Cincinnati, OH.

Monthly expenses with rent come to $2,284 in Cincinnati, OH and $2,493 in Utica, NY. That makes Cincinnati, OH about 8% cheaper.

Public transport costs about 59% less in Utica, NY. For daily commuters, that gap adds up to noticeable savings over a year.

$3,000 covers both cities comfortably – all-in costs are $2,284 in Cincinnati, OH and $2,493 in Utica, NY, leaving budget for savings and extras in both cases.

It depends on your priorities. Cincinnati, OH has an edge in some lifestyle areas, with costs from $2,284 in Cincinnati, OH to $2,493 in Utica, NY. Climate, culture, job market, and personal taste all factor in.