Cost of Living in Bluffton, OH

With a cost of living index of 72, Bluffton, OH is one of the most affordable cities in the country. Living here is 28% cheaper than the national average and 6% below the Ohio state average of 78. Bluffton is a small community of 3,799 residents.

Housing costs are the biggest factor in Bluffton's cost of living. The median monthly rent is $834 (37% below the US median of $1,319), and the median home value sits at $192,500 (37% below the national median of $304,900). At current prices, the median home costs roughly 2.5x the median household income — well within traditional affordability guidelines.

The median household income in Bluffton is $77,382, which is 3% higher than the national median of $75,149. Residents spend roughly 13% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Bluffton. The area sees an average annual temperature of 52.4°F, with summers averaging 73°F and winters around 30°F. Annual rainfall totals 33.8 inches spread over roughly 126 days.

Everyday prices in the Lima, OH (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.