Last update: Oct 2026

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

For one person, living costs are similar in Florence, KY and in Cincinnati, OH: $2,266 and $2,323 a month, rent and utilities included.

110

Cost of Living Index in Florence, KY
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Florence, KY Living Index
114

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

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Florence, KY

🇺🇸 United States

$2,266

/mo nomad

Cincinnati, OH

🇺🇸 United States

$2,323

/mo nomad

Monthly Cost of Living

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

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

A single person spends $2,266 per month in Florence, KY vs $2,323 in Cincinnati, OH, rent included.

Florence, KY $2,266
Cincinnati, OH $2,323

A couple spends around $3,312 per month in Florence, KY vs $3,448 in Cincinnati, OH, rent included.

Florence, KY $3,312
Cincinnati, OH $3,448

A family of three spends $4,358 per month in Florence, KY vs $4,573 in Cincinnati, OH, rent included.

Florence, KY $4,358
Cincinnati, OH $4,573

Florence, KY is about 2% cheaper than Cincinnati, OH, and outside of rent the biggest gap is in transport.

Both Florence, KY and Cincinnati, OH sit above the global median – Florence, KY by 68%, Cincinnati, OH by 72%.

Meal at Budget Restaurant

$15.05 $15.05

$15.17 $15.17

-0.79%

Three-Course Dinner for Two, Mid-Range

$71.2 $71.2

$51.0 $51.0

39.77%

Fast Food Meal (McDonalds, etc)

$9.37 $9.37

$9.90 $9.90

-5.35%

Cappuccino

$4.95 $4.95

$5.00 $5.00

-1.00%

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

$2.23 $2.23

$2.30 $2.30

-3.04%

Water (0.33 liter bottle)

$1.66 $1.66

$1.65 $1.65

0.61%

Local Beer (0.5 liter draught)

$5.93 $5.93

$5.39 $5.39

10.02%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$7.52 $7.52

-6.38%

Milk (1 liter)

$0.80 $0.80

$0.93 $0.93

-13.98%

White Bread (500g)

$3.28 $3.28

$3.35 $3.35

-2.09%

Rice (white) (1kg)

$4.02 $4.02

$3.98 $3.98

1.01%

Eggs

$3.56 $3.56

$4.22 $4.22

-15.64%

Local Cheese (1kg)

$12.91 $12.91

$12.72 $12.72

1.49%

Chicken Fillets (1kg)

$12.13 $12.13

$11.24 $11.24

7.92%

Beef Round Steak (1kg)

$16.30 $16.30

$15.99 $15.99

1.94%

Apples (1kg)

$5.75 $5.75

$5.82 $5.82

-1.20%

Banana (1kg)

$1.67 $1.67

$1.58 $1.58

5.70%

Oranges (1kg)

$4.67 $4.67

$4.23 $4.23

10.40%

Tomato (1kg)

$4.74 $4.74

$4.68 $4.68

1.28%

Potato (1kg)

$2.55 $2.55

$2.54 $2.54

0.39%

Onion (1kg)

$3.00 $3.00

$3.25 $3.25

-7.69%

Lettuce (1 head)

$2.08 $2.08

$2.02 $2.02

2.97%

Water (1.5 liter bottle)

$1.84 $1.84

$1.91 $1.91

-3.66%

Cigarettes 20 Pack (Marlboro, Camel)

$8.74 $8.74

$10.55 $10.55

-17.16%

Wine (Bottle)

$15.31 $15.31

$15.26 $15.26

0.33%

Local Beer (0.5 liter bottle)

$2.10 $2.10

$2.12 $2.12

-0.94%

Imported Beer (0.33 liter bottle)

$3.07 $3.07

$2.94 $2.94

4.42%

One-way Ticket (Public Transport)

$2.03 $2.03

$2.71 $2.71

-25.09%

Public Transport Monthly Pass (Regular Price)

$66.2 $66.2

$104 $104

-36.56%

Taxi Start (Normal Tariff)

$2.70 $2.70

$3.70 $3.70

-27.03%

Taxi (Normal Tariff) (1km)

$1.22 $1.22

Taxi 1hour Waiting (Normal Tariff)

$25.30 $25.30

$25.26 $25.26

0.16%

Gasoline (1 liter)

$1.01 $1.01

$1.10 $1.10

-8.18%

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

$36.4K $36.4K

$35.6K $35.6K

2.11%

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

$25.7K $25.7K

$25.1K $25.1K

2.24%

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

$179 $179

$151 $151

18.17%

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

$59.8 $59.8

$76.1 $76.1

-21.46%

Internet (50+ Mbps, Unlimited Data)

$68.1 $68.1

$72.6 $72.6

-6.21%

Gym Membership (Monthly)

$17.22 $17.22

$35.88 $35.88

-52.01%

Tennis Court (1 Hour on Weekend)

$13.95 $13.95

Cinema Ticket

$14.82 $14.82

$15.10 $15.10

-1.85%

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

$1,228 $1,228

$1,465 $1,465

-16.22%

International Primary School, 1 Child (Yearly)

$16.1K $16.1K

$19.4K $19.4K

-16.83%

Jeans (Levis 501 Or Similar)

$50.4 $50.4

$45.76 $45.76

10.10%

Summer Dress (H&M, Zara, etc)

$44.63 $44.63

$44.95 $44.95

-0.71%

Sport Shoes (Adidas, Nike)

$90.2 $90.2

$86.0 $86.0

4.99%

Men's Leather Business Shoes

$110 $110

0.43%

1-bedroom Apartment, City Center (Monthly)

$1,325 $1,325

$1,521 $1,521

-12.85%

1-bedroom Apartment, Outside City Center (Monthly)

$1,037 $1,037

$1,045 $1,045

-0.71%

3-bedroom Apartment, City Center (Monthly)

$2,056 $2,056

$3,272 $3,272

-37.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,642 $1,642

$1,821 $1,821

-9.80%

Buy Apartment in City Center (m2)

$1,920 $1,920

$3,403 $3,403

-43.58%

Buy Apartment Outside City Center (m2)

$1,248 $1,248

$2,074 $2,074

-39.84%

Average Monthly Net Salary (After Tax)

$3,548 $3,548

$4,137 $4,137

-14.24%

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 Florence, KY: October 13, 2026

Last update for Cincinnati, OH: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Florence, KY

$1K 45.8%

Cincinnati, OH

$1K 45% 0.7% $7.4

Groceries & Markets

Florence, KY

$392 17.3%

Cincinnati, OH

$389 16.8% 0.7% $2.9

Monthly Utilities & Internet

Florence, KY

$306 13.5%

Cincinnati, OH

$300 12.9% 2.2% $6.6

Eating Out

Florence, KY

$267 11.8%

Cincinnati, OH

$269 11.6% 0.7% $1.8

Clothing & Footwear

Florence, KY

$133 5.9%

Cincinnati, OH

$129 5.6% 3.1% $4.1

Getting Around

Florence, KY

$83 3.7%

Cincinnati, OH

$125 5.4% 50.3% $42

Sport & Entertainment

Florence, KY

$47 2.1%

Cincinnati, OH

$66 2.8% 41% $19

Cost Breakdown

A central one-bedroom costs $1,325 in Florence, KY versus $1,521 in Cincinnati, OH. 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 17% higher in Cincinnati, OH, 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 $71.0 in Florence, KY versus $51.0 in Cincinnati, OH. Monthly groceries follow the same trend: $392 vs $389 – making Cincinnati, OH the more affordable choice for daily food spending.

Good to know

🇺🇸 Florence, KY

🇺🇸 Cincinnati, OH

🕒 Local time

09:55 9:55 AM

Same time as Florence, KY

🌤 Weather

👥 Population

40,184

298,800

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Florence, KY Cincinnati, OH 15 km

From you

Florence, KY
Cincinnati, OH

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

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

Monthly costs with rent: $2,266 in Florence, KY, $2,323 in Cincinnati, OH – roughly 3% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,399 per month in Florence, KY and $3,484 in Cincinnati, OH. 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,266 in Florence, KY and $2,323 in Cincinnati, OH. That's a gap of about 3%.

Public transport costs about 58% less in Florence, KY. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Florence, KY, where all-in costs run around $2,266, than in Cincinnati, OH at $2,323. In Florence, KY it covers expenses comfortably, while in Cincinnati, OH it requires careful planning or may not stretch far enough.

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, better infrastructure, or specific career opportunities are the priority, Cincinnati, OH makes more sense. Both are solid long-term options with distinct trade-offs.