Cost of Living in Miami County, Ohio
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Miami County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Miami County ranks #2,023 of 3,144 counties for affordability (bottom 36%)
Data Story
About Cost of Living in Miami County, Ohio
Miami County matches national affordability
Miami County renters spend 15.2% of their income on housing—just above the national 15% threshold—while earning just $580 below the U.S. median. This county represents middle-of-the-road affordability for American renters.
Slightly above Ohio's affordability average
Miami County's 15.2% rent-to-income ratio sits just slightly above Ohio's 15.6% state average, placing it near the middle of the state's affordability rankings. At $942 median rent with $74,175 in median income, Miami offers fairly typical Ohio affordability.
Middle ground in regional comparison
Miami County's $942 rent is nearly identical to Madison County's ($944) but both counties have stronger affordability than struggling Marion ($850 rent with lower wages). Miami offers steady, unremarkable affordability compared to its peers.
Miami's balanced housing picture
The median Miami County household earning $74,175 annually pays $942 on rent or $1,053 on mortgage costs monthly. Renters allocate 15.2% of income to housing while homeowners spend 17%—reasonable costs for a county matching national wage averages.
Miami County suits mainstream relocators
If you're relocating to Ohio with average income expectations, Miami County delivers straightforward affordability without special advantages or drawbacks. Compare it side-by-side against more affordable options like Mercer or higher-wage alternatives like Medina before deciding.
Cost of Living Advisory: Miami County
Affordability Verdict
For renters in Miami County, the market is affordable. Expect to pay around $942/month in gross rent, with 26.0% of renter households considered cost-burdened.
Rent vs. Own
The median rent in Miami County is $942/month, while owner costs run $1,053/month. Renting saves approximately $111/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,680/year. For owner costs at the 28% rule, the required income is roughly $45,129/year. With a median household income of $74,175, most households can comfortably afford rent here. Notably, 26.0% of renter households in Miami County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Summit County where rent averages $998/month, Miami County is approximately 6% less expensive.
Affordability Calculator
See how your income compares to housing costs in Miami County
Rent Burden
15.2%
of gross income
Max Housing (28% Rule)
$1,731
per month
Owner Cost Burden
17.0%
of gross income
You can likely afford the median home in Miami County
Median home value is $209,200. Estimated monthly cost: $1,670 vs. your max of $1,731.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
What is the cost of living in Miami County, Ohio?
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How does Miami County's rent compare to the state average?
What is the median home value in Miami County?
Counties with Similar Housing Costs
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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