Cost of Living in Montgomery County, Ohio
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Montgomery County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Montgomery County ranks #2,329 of 3,142 counties for affordability (bottom 26%)
Sourced county brief
Montgomery County Median Rent To Income Ratio Reaches 28.7 Percent
Montgomery County's official Gross Rent as a Percentage of Household Income (GRAPI) was estimated at 28.7% according to the ACS 2020-2024 5-Year Estimates. This value is 1.8 percentage points above the Ohio unweighted county mean of 26.9%. The median gross rent in the county was $1,026 per month, while the state unweighted county mean was $904. For owner-occupied housing, the median selected monthly owner cost was $1,086, which is above the state unweighted mean of $974. Median home values in Montgomery County were $180,900, compared to the state unweighted mean of $196,325. The renter median household income was reported as $43,098. This brief utilizes official B25071 GRAPI data as the canonical rent-to-income metric for the snapshot. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Montgomery County
Affordability Verdict
ACS B25071 estimates median gross rent at 28.7% of renter household income in Montgomery County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,026 per month; median selected monthly owner costs are $1,086. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $41,040 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Ohio unweighted mean of county median rents is $904 per month. Montgomery County's $1,026 median is 13.5% above that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Montgomery County
Rent Burden
18.6%
of gross income
Max Housing (28% Rule)
$1,543
per month
Owner Cost Burden
19.7%
of gross income
You can likely afford the median home in Montgomery County
Median home value is $180,900. Estimated monthly cost: $1,444 vs. your max of $1,543.
Rent Affordability Guide
Income Needed Calculator
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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 Montgomery County, Ohio?
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Is Montgomery County affordable?
How does Montgomery County's rent compare to the state average?
What is the median home value in Montgomery County?
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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