Loveland, OH vs Ottawa, OH

The cost of living difference between Loveland, OH and Ottawa, OH is dramatic. Ottawa is 35.7% cheaper than Loveland, a gap that translates to thousands of dollars per year in household expenses. Loveland has a cost index of 93 while Ottawa sits at 69, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Loveland is $1,170/month compared to $739/month in Ottawa — a 58% difference. Home values follow the same pattern: Ottawa is more affordable at $175,300 median vs $305,200.

Median household income in Loveland is $86,793 compared to $66,268 in Ottawa (+31%). The higher salaries in Loveland partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Loveland spend roughly 16.2% of their income on rent, more than the 13.4% in Ottawa.