Is it cheaper to live in Cincinnati or Spokane?

Cincinnati, OH is cheaper. Its monthly baseline of $1,030 (1BR rent + utilities) runs about 4% below Spokane, WA's $1,070, mainly because of rent.

How much more do you need to earn to live in Cincinnati than in Spokane?

To keep rent near the recommended 30% of gross income, you'd want to earn roughly $33,000 a year in Cincinnati versus $36,000 in Spokane.

Which has lower taxes, Cincinnati or Spokane?

Cincinnati is taxed under Ohio's rules (a top state income tax rate of 2.75% and a 5.75% state sales tax); Spokane under Washington's (no state income tax and a 6.5% state sales tax).

Cincinnati vs Spokane Cost of Living 2026

Cincinnati

Ohio

$1,030/mo est.

Spokane

Washington

$1,070/mo est.

Monthly estimate = 1BR rent + electricity + gas

A one-person monthly baseline (1BR rent plus typical utilities) runs $1,030 in Cincinnati, OH versus $1,070 in Spokane, WA. Overall, Cincinnati, OH is roughly 4% cheaper to live in day-to-day than Spokane, WA, driven mainly by rent.

Median household income is $51,707 in Cincinnati, OH and $65,745 in Spokane, WA — about 21% higher in Spokane, WA. Ohio has a top state income tax rate of 2.75% and a 5.75% state sales tax; Washington has no state income tax and a 6.5% state sales tax.

Cincinnati, OH

Spokane, WA

Rent

Studio

$791

$884

+12% in Spokane, WA

1 Bedroom

$817

$903

+11% in Spokane, WA

2 Bedroom

$1,023

$1,192

+17% in Spokane, WA

3 Bedroom

$1,228

$1,442

+17% in Spokane, WA

Buying a Home

Median Home Value

$215,300

$326,200

+52% in Spokane, WA

Income

Median Household Income

$51,707

$65,745

+27% in Spokane, WA

Metro Median Wage (annual)

$50,170

$54,660

+9% in Spokane, WA

People & Lifestyle

Median Age

33.0 yr

37.2 yr

+4.2 yr in Spokane, WA

Homeownership

38.9%

58.3%

+19.4 pp in Spokane, WA

Bachelor's+ (25+)

41.3%

32.6%

+8.7 pp in Cincinnati, OH

Avg Commute

23.1 min

21.2 min

+1.9 min in Cincinnati, OH

Crime (per 100k/yr)

Violent Crime

856.5

683.6

+20% in Cincinnati, OH

Property Crime

3,877.7

4,931.8

+27% in Spokane, WA

FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.

Climate

Avg Annual Temperature

54.3°F

48.9°F

+5.4°F in Cincinnati, OH

Annual Precipitation

41.9 in

17.8 in

+24.2 in in Cincinnati, OH

Gas

Regular Gasoline

$4.18/gal

$5.12/gal

+23% in Spokane, WA

Area: Ohio vs Washington.

Utilities

Electricity (¢/kWh)

19.5

14.9

+23% in Cincinnati, OH

Natural Gas ($/MCF)

$22.83

$20.41

+11% in Cincinnati, OH

Residential, state-level averages (EIA). MCF = 1,000 cubic feet.

Groceries

Milk (gal)

$4.31

$4.82

+12% in Spokane, WA

Bread (lb)

$1.66

$2.04

+23% in Spokane, WA

Eggs (doz)

$3.63

$2.19

+40% in Cincinnati, OH

Ground Beef (lb)

$6.77

$7.36

+9% in Spokane, WA

Chicken (lb)

$2.10

$2.01

+4% in Cincinnati, OH

Bananas (lb)

$0.62

$0.70

+14% in Spokane, WA

Average prices — Midwest vs West (BLS). Regional where available, otherwise U.S. average.

State Taxes

Sales Tax (OH / WA)

5.75%

6.5%

+0.8 pp in WA

Income Tax (top rate)

2.75%

None

+2.8 pp in OH

Cincinnati vs Spokane — FAQ

Is it cheaper to live in Cincinnati or Spokane?: Cincinnati, OH is cheaper. Its monthly baseline of $1,030 (1BR rent + utilities) runs about 4% below Spokane, WA's $1,070, mainly because of rent.
How much more do you need to earn to live in Cincinnati than in Spokane?: To keep rent near the recommended 30% of gross income, you'd want to earn roughly $33,000 a year in Cincinnati versus $36,000 in Spokane.
Which has lower taxes, Cincinnati or Spokane?: Cincinnati is taxed under Ohio's rules (a top state income tax rate of 2.75% and a 5.75% state sales tax); Spokane under Washington's (no state income tax and a 6.5% state sales tax).

Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).