Kettering, OH

Very Low · 68

Ohio · Population 57,442 · Updated March 2026

$983
Median Rent / Month
$71,619
Median Income
$192,500
Median Home Value
$1,096
Owner Costs / Month

Affordability

How far your income goes in Kettering

16.5%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Ohio

State-level tax rates that affect your costs

3.5%
Income Tax (Top Rate)
5.75%
Sales Tax
1.53%
Property Tax Rate

Estimated Annual Costs

$11,796
Annual Rent
$2,507
State Income Tax
$2,945
Property Tax (est.)

Cost of Living Overview

Kettering is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 68 (where 100 equals the national median), Kettering residents can expect to pay median rent of $983/month while earning a median household income of $71,619/year.

The median home value in Kettering, OH is $192,500, with typical monthly owner costs around $1,096 including mortgage, insurance, and taxes. The median rent-to-income ratio of 16.5% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Ohio has a moderate income tax rate of 3.5%. Combined with a 5.75% sales tax rate and 1.53% effective property tax rate, the overall tax environment is a factor in the total cost of living in Kettering.

Frequently Asked Questions

Common questions about living costs in Kettering

What is the cost of living in Kettering, OH?
The cost of living index in Kettering, OH is 68 (US average = 100). Median monthly rent is $983, median household income is $71,619/year, and the median home value is $192,500.
Is Kettering, OH affordable?
Yes, Kettering is more affordable than the national average with a cost index of 68. The rent-to-income ratio is 16.5%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Kettering, OH?
The median gross rent in Kettering, OH is $983 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $11,796.
What is the median household income in Kettering?
The median household income in Kettering, OH is $71,619 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Ohio?
Ohio has a top income tax rate of 3.5%, a sales tax of 5.75%, and an effective property tax rate of 1.53%.