Uncover the Cost of Living in Cleveland, Ohio

The cost of living in Cleveland, Ohio, is one of several factors that make this vibrant city an appealing choice for active adults looking to enjoy more for less in retirement. If you’re looking to spend your next life chapter in a city where your dollar goes further, Cleveland delivers. From housing and utilities to groceries and taxes, let’s dive in and learn more about the living expenses in Cleveland, Ohio. 

Summary:

• Cost of Living in Cleveland, Ohio

• Average Housing Costs in Cleveland, Ohio

• Other Living Expenses in Cleveland, Ohio

  • Grocery Shopping and Dining Out in Cleveland

  • Transportation Options and Fuel Costs in Cleveland

  • Healthcare and Insurance Costs in Cleveland

  • Utilities, Internet, and Phone Expenses in Cleveland

  • Tax Rates in the Cleveland Area

  • Recreation Costs in Cleveland, Ohio

• Average Salary in Cleveland, Ohio

• Cleveland Cost of Living Comparison

• Average Cost of New Construction Homes in Cleveland by Neighborhood

• Cost of Living in Cleveland, Ohio, Conclusion

Cost of Living in Cleveland, Ohio

Whether you're relocating for retirement or simply looking for a fresh start, the average cost of living in Cleveland, Ohio, is 9% lower than the national average and 2% lower than the state average, according to RentCafe® as of March 2025. This means the money in your wallet can stretch a little further for everyday expenses compared to other major cities.

In terms of a living wage, Cleveland, Ohio, generally requires an average of roughly $20.33 per hour for a single adult and $29.61 for a household of two adults with one working, per February 2025 data from the MIT® Living Wage Calculator. This affordability can allow for greater financial flexibility and the ability to focus on living the lifestyle you want—whether dining out at the city’s famous West Side Market, catching a ball game at Progressive Field, or enjoying Cleveland’s scenic Metroparks.

Average Housing Costs in Cleveland, Ohio

Per RentCafe’s March 2025 data, Cleveland’s housing costs are 19% lower than the national average, helping make the city an attractive and affordable option for those looking to buy or rent. The median home sale price in Cleveland, as of April 2025, averages $88 per square foot or $130K overall, with homes receiving an average of three offers and selling in around 34 days, according to Redfin®.

The average monthly apartment rent in Cleveland is about $1,540, per RentCafe in March 2025. Rental costs vary based on location, apartment size, and amenities, but they remain lower than many major metro areas. 

Other Living Expenses in Cleveland, Ohio

Beyond housing costs, everyday expenses like groceries, healthcare, and entertainment play a critical role in most homeowners’ overall budget. These Cleveland, Ohio, living costs tend to be lower than the national average, helping you enjoy the city’s amenities without overspending. 

Grocery Shopping and Dining Out in Cleveland

Cleveland offers a mix of affordable grocery options and dining experiences, making it easy to get good food on any budget. According to MIT’s Living Wage Calculator, as of February 2025, annual food costs for a single adult average $4.9K, while a household with two adults (one working) spends around $9K per year. These everyday essentials can fluctuate in price, but RentCafe finds that a gallon of milk runs around $4.57, a dozen eggs average $3.96, and a pound of potatoes is approximately $5.09 as of March 2025. 

Enjoy dining out? Cleveland’s culinary scene offers plenty of ways to enjoy a meal out without breaking the bank. From grabbing a famous corned beef sandwich at Slyman’s to enjoying a farm-to-table dinner in Ohio City, the city offers a range of dining options at price points that can fit your budget. The lower cost of living in Cleveland means residents can balance home-cooked meals with nights out exploring everything from cozy neighborhood diners to award-winning restaurants.

Transportation Options and Fuel Costs in Cleveland

Whether commuting or exploring the city, Cleveland’s transportation options offer flexibility without the high price tag of larger metropolitan areas. On average, the living cost in Cleveland, Ohio, for annual transportation averages $8.5K for a single adult and $9.8K for a household with two adults (one working), according to MIT in February 2025. RentCafe reports that gasoline costs around $3.21 per gallon, and routine maintenance, like tire balancing, runs about $60.87 as of March 2025.

Public transportation is also a great option, and the Greater Cleveland Regional Transit Authority (RTA) offers buses and rail service throughout the city and surrounding areas. For residents of neighborhoods like Ohio City or Tremont, many daily errands can be done on foot or by bike, reducing transportation costs even further. 

Healthcare and Insurance Costs in Cleveland

Cleveland is home to world-renowned healthcare institutions like the Cleveland Clinic and University Hospitals, offering quality medical care at a relatively affordable cost. Per March 2025 data from RentCafe, medical expenses in Cleveland are 8% lower than the national average, with doctor visits averaging $117, dentist appointments at $111.33, and optometry check-ups costing around $110.47. Overall, according to MIT’s February 2025 data, annual medical costs for a single adult average $3.5K, while a household with two adults (one working) spends around $7.2K per year. 

Utilities, Internet, and Phone Expenses in Cleveland

To keep your home connected and comfortable in Cleveland, utilities tend to be 14% lower than the national average, with monthly energy bills averaging around $161.82, per RentCafe in March 2025. Naturally, these costs can fluctuate based on the season—chilly winters may drive up heating costs, though summers remain mild, which can keep air conditioning expenses lower.

To stay connected online and on the phone, annual internet and mobile phone costs average $1.4K for a single adult and $2K for a household with two adults (one working), according to MIT’s Living Wage Calculator as of February 2025. Whether streaming your favorite shows, working remotely, or staying in touch with loved ones, Cleveland offers reliable utility and communication services without the heftier price tag in other larger metropolitan areas.

Tax Rates in the Cleveland Area

Taxes are an essential factor when considering the cost of living in Cleveland, and the city offers a relatively moderate tax burden. According to the MIT Living Wage Calculator, annual tax costs for a single adult in Cleveland average $6K, while a household with two adults (one working) tends to be approximately $8K.

According to the Ohio Department of Taxation, state income tax in 2025 is income-dependent and is subject to three tax rates. Incomes ranging from $0–$26,050 pay no state tax, while those earning $26,051–$100,000 pay 2.75%, and a tax of 3.50% is levied on an annual income over $100,000. The effective property tax rate in the state, per SmartAsset®, averages 1.43%.  

The overall sales tax in Cleveland is around 8.0% in 2025, including state, county, and city rates per Avalara®. The Ohio state sales tax as of March 2025 is 5.75%, with local taxes making up the rest. While sales tax is comparable to many other cities, Ohio does not tax Social Security benefits, which can be a financial advantage for retirees looking to maximize their income. 

Recreation Costs in Cleveland, Ohio

You’ll find a wide range of affordable and fun things to do in Cleveland for adults, from outdoor adventures to cultural attractions. Many of the city’s best experiences come at little to no cost, making it easy to enjoy a fulfilling lifestyle without overspending. Here are a few popular, budget-friendly activities:

• Cleveland Metroparks: Explore a vast network of scenic trails, picnic spots, and nature reserves. The city zoo is also here and costs around $20 per person.

• Rock & Roll Hall of Fame: Visit this iconic museum, which charges $35 per adult and often features live music.

• West Side Market®: Stroll through this historic market, where you can browse fresh produce and artisanal goods for free.

• Cleveland Museum of Art: Enjoy an extraordinary collection of art, as well as free general admission year-round! 

Average Salary in Cleveland, Ohio

According to ZipRecruiter®, as of March 2025, the average annual salary in Cleveland is $59,263, which breaks down to $28.49 per hour, $1,139 per week, or $4,938 per month. Salaries vary depending on industry and experience, with most earnings ranging from $42K to $75K annually.

With a lower cost of living compared to many major cities, salaries can go further, allowing residents to comfortably afford housing, dining, and entertainment. Whether you're working full-time or easing into retirement with part-time income, Cleveland offers financial flexibility for a range of lifestyles.

Cleveland Cost of Living Comparison

When considering a move to Cleveland, it's helpful to compare its cost of living with other major cities. While Cleveland is known for its affordability, certain expenses may be higher or lower depending on where you’re relocating from or what other cities you’re thinking about moving to. Below, we used the Forbes® cost of living calculator to compare the overall living cost in Cleveland to Houston, Chicago, and Pittsburgh to help give you a clearer picture of how the city’s living expenses stack up. 

• Cleveland, OH vs. Houston, TX: Overall, living expenses in both cities are similar. Here’s how they compare in other living cost categories:

  • Housing costs in Cleveland are 3% higher on average than in Houston, largely due to slightly pricier apartment rental prices.

  • Gas prices are around 21% lower in Cleveland than in Houston, helping to offset slightly higher transportation costs.

  • Healthcare expenses in Cleveland are roughly 5% lower than in Houston.

• Cleveland, OH vs. Chicago, IL: Cleveland can offer significant savings compared to Chicago, as it’s about 26% more affordable overall: 

  • Housing costs are approximately 33% lower in Cleveland, which can make homeownership more attainable. However, rent tends to be 1.91% higher here than in Chicago.

  • Transportation costs are about 7% less in Cleveland, thanks to lower gas prices.

  • Healthcare costs are also about 7% lower in Cleveland compared to Chicago. 

  • Everyday expenses, like groceries and dining, average 10.9% less in Cleveland. 

• Cleveland, OH vs. Pittsburgh, PA: While both cities offer a similar Midwestern lifestyle, living expenses in Cleveland, Ohio, are lower on average overall:

  • Cleveland is about 7% more affordable than Pittsburgh. 

  • Housing costs in Cleveland are around 1% lower, though rent is 9.26% higher. 

  • Transportation expenses in Cleveland are 8% lower, with gas prices averaging 11% less.

  • Healthcare costs average 5% less in Cleveland. 

Average Cost of New Construction Homes in Cleveland by Neighborhood

If you’re looking to settle into a brand-new home, Cleveland offers a range of new construction homes across diverse neighborhoods. Home prices do tend to vary by location; some areas feature more budget-friendly options, while others cater to buyers seeking upscale features. Exploring Cleveland’s new home market can help you find the perfect fit for your lifestyle while still benefiting from the city's overall affordability.

Columbia Station

Columbia Station is a quiet, rural suburb about 20 miles southwest of Cleveland. Known for its open green spaces and small-town feel, the area offers a peaceful retreat while still offering convenient access to major highways like I-71 and the Ohio Turnpike. Residents enjoy outdoor activities at Columbia Reservation, a 409-acre park featuring hiking trails, fishing ponds, and picnic areas, and easy access to shopping and dining in nearby Strongsville and North Ridgeville. 

According to NewHomeSource™, the average cost of a new construction home in Columbia Station ranges from the mid $300Ks to the low $900Ks as of March 2025. Del Webb active adult communities in Columbia Station, OH, feature new construction homes that start in the upper $300Ks.

Avon Lake

Located along the shores of Lake Erie, Avon Lake is a scenic suburb known for its waterfront parks and community-oriented lifestyle. The city is home to Veterans Memorial Park, with stunning lakefront views, a beach area, and walking trails. The Miller Road Park boat launch offers easy access to Lake Erie for boating and fishing enthusiasts. 

The cost to build a new home in Avon Lake, according to NewHomeSource, ranges from the mid $300Ks to the upper $900Ks as of March 2025. 

North Ridgeville

North Ridgeville is approximately 25 miles west of Cleveland and offers a mix of suburban amenities and welcoming charm. The city is home to South Central Park, featuring scenic trails, a fishing lake, and sports courts. Shopping and dining options continue to expand along Center Ridge Road, helping make it a desirable location for new homeowners. North Ridgeville also hosts the annual North Ridgeville Corn Festival, a popular summer event celebrating local agriculture and community spirit. 

The cost to build a new home in North Ridgeville in March 2025, according to NewHomeSource, ranges from the upper $300Ks to the lower $900Ks. 

Olmsted Township

Olmsted Township is a suburban community southwest of Cleveland that retains its rural appeal with large green spaces and quiet residential neighborhoods. The area is ideal for outdoor enthusiasts, as it’s home to David Fortier River Park, which offers picturesque views of the Rocky River and is a popular spot for fishing and hiking. Residents also appreciate convenient access to the Cleveland Metroparks for additional opportunities to be out in nature. With proximity to the Great Northern Mall in North Olmsted, locals enjoy easy access to shopping, dining, and entertainment options. 

As of March 2025, the cost to build a new home near Olmsted Township, per NewHomeSource, ranges from the upper $300Ks to the mid $900Ks. 

Beachwood

An upscale suburb east of Cleveland, Beachwood is known for its premier shopping, dining, and cultural attractions. The area is home to Beachwood Place, a high-end shopping mall featuring luxury brands and fine dining. The Maltz Museum of Jewish Heritage has exhibits on Jewish history and culture, attracting visitors from across the region. Beachwood also boasts a thriving business district and is conveniently located near the Cleveland Clinic and University Hospitals. 

Per NewHomeSource, the cost to build a new home near Olmsted Township ranges from the mid $300Ks to the lower $700Ks as of March 2025. 

Cost of Living in Cleveland, Ohio, Conclusion

Cleveland offers an affordable lifestyle, making it an excellent choice for active adults and retirees looking to maximize their budget without sacrificing quality of life. With reasonable housing prices, manageable daily expenses, and access to quality healthcare and recreation, Cleveland, Ohio, living costs help make this city a place where you can thrive. Whether you're drawn to its cultural attractions, outdoor spaces, or beloved sports teams, this city offers plenty of opportunities to enjoy life’s next chapter. 

Explore active adult communities in Cleveland, OH, today, or browse more Del Webb blogs. 

Written By: Jordan Thomson, Freelance Writer

Last Updated: 9/03/25