Cost of Living in Middletown, OH

With a cost of living index of 75, Middletown, OH is one of the most affordable cities in the country. Living here is 25% cheaper than the national average and 3% below the Ohio state average of 78. With a population of 50,607, Middletown is a mid-sized community that balances access to services with a more manageable cost of living compared to larger metros.

Housing costs are the biggest factor in Middletown's cost of living. The median monthly rent is $974 (26% below the US median of $1,319), and the median home value sits at $148,300 (51% below the national median of $304,900). At current prices, the median home costs roughly 2.7x the median household income — well within traditional affordability guidelines.

The median household income in Middletown is $54,985, which is 27% lower than the national median of $75,149. Residents spend roughly 21% 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 Middletown. The area sees an average annual temperature of 54.1°F, with summers averaging 74°F and winters around 33°F. Annual rainfall totals 41 inches spread over roughly 140 days.

Everyday prices in the Cincinnati, OH-KY-IN (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.