Cost of Living in Defiance, OH

With a cost of living index of 69, Defiance, OH is one of the most affordable cities in the country. Living here is 31% cheaper than the national average and 9% below the Ohio state average of 78. Defiance is a smaller community of 16,830 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Defiance's cost of living. The median monthly rent is $841 (36% below the US median of $1,319), and the median home value sits at $134,600 (56% below the national median of $304,900). At current prices, the median home costs roughly 2.1x the median household income — well within traditional affordability guidelines.

The median household income in Defiance is $63,118, which is 16% lower than the national median of $75,149. Residents spend roughly 16% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Defiance. The area sees an average annual temperature of 50°F, with summers averaging 71°F and winters around 28°F. Annual rainfall totals 33 inches spread over roughly 127 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

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.