Cost of Living: Cincinnati, OH vs Garland, TX (2026)

Cincinnati

Ohio
69
VS

Garland

Texas
96

Cincinnati is 28% cheaper than Garland.

$953/mo ↓ 38%
Median Rent
$1,525/mo ↑ 60%
$51,707/yr ↓ 31%
Median Income
$74,717/yr ↑ 45%
$215,300 ↓ 13%
Home Value
$248,900 ↑ 16%
$1,041/mo ↓ 28%
Owner Costs
$1,445/mo ↑ 39%
309,595
Population
245,298

Tax Comparison

3.5%
Income Tax
0%
5.75%
State Sales Tax
6.25%
1.53%
Property Tax
1.6%

Affordability

22.1%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Cincinnati, OH and Garland, TX, the overall cost of living indices are 69 and 96 respectively (national median = 100). Rent is $572/month cheaper in Cincinnati, saving renters about $6,864/year.

Median household income is $23,010/year higher in Garland. Home values also differ significantly — the median in Cincinnati is $215,300 compared to $248,900 in Garland.

Texas has no state income tax, giving Garland residents a significant tax advantage over Ohio's 3.5% rate.

Frequently Asked Questions

Cincinnati vs Garland — common questions

Is Cincinnati or Garland cheaper to live in?
Based on our cost index, Cincinnati is cheaper to live in with an index of 69 compared to 96 (US average = 100).
What is the rent difference between Cincinnati and Garland?
Median rent in Cincinnati is $953/month and in Garland it's $1,525/month — a difference of $572/month.
Which city has higher income, Cincinnati or Garland?
Median household income is $51,707 in Cincinnati and $74,717 in Garland. Median household income is $23,010/year higher in Garland.
How do taxes compare between Ohio and Texas?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Cincinnati or Garland?
It depends on your priorities. Cincinnati has a cost index of 69 with median rent of $953/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Cincinnati details → View Garland details →

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