A+
5%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
31%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Celina Ohio National
Cost of living9592100
Goods & Services105100100
Groceries102101100
Health care11298100
Housing6973100
Transportation117100100
Utilities10199100

An Overview of Cost of Living in Celina, OH

Getting a feel for the cost of living in Celina is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Celina is 95, which is 5% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

The cost of living in Celina is about average when compared to all other cities across the nation. You can expect that everyday items like food, goods and services and utility bills will be no more expensive than any other average city. Residents can anticipate living expenses that remain in line with the national average, ensuring a manageable financial burden, making it an attractive choice for those seeking affordability without the constraints of higher everyday expenditures.

Is Celina Affordable?

Is Celina an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Celina is 33.4% lower than the national average, while the average monthly rent prices are 24.9% lower than average. The affordability of any location can also be influenced by median income levels. Celina has a median household income of $51,734, which is 6.5% lower than the national average.

What Factors can Influence the Cost of Living in Celina?

Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas with fewer subsidy offerings might experience an elevation in their cost of living.

Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In Celina, healthcare costs are 11.8% higher than the national average.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Celina, the prevailing sales tax rate starts at 5.75%, and income tax rates kick off at 0%.

Where is the Data From?

The Celina cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Celina is 3% higher than the Ohio average
  • The cost of living in Celina is 5% lower than the national average
  • Celina housing is 31% lower than the national average
  • Ohio general sales tax is 13% higher than the national average
  • Ohio state income tax is 6% higher than the national average

Most Affordable Places to Live in and Around Celina

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Compare Celina, OH Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$64,519$5,377$1,505$1,936
      Renters$37,716$3,143$880$1,132
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Celina, OH, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Celina homeowners, is $64,519. This would allow for a maximum of $1,505 per month to be spent on housing costs. For renters, the median monthly income is $37,716 which would result in a maximum of $880 to be spent on rental costs.

      Ohio Sales Tax

      State General Sales Tax With Max Surtax
      Ohio 5.75% 8%

      Ohio Income Tax

      State Income Tax (Low) Income Tax (High)
      Ohio 2.76% 3.99%

      Goods & Services

      Item Celina National avg. Difference
      Haircut $30.92$24.2627.4%
      Beauty Salon $47.35$45.563.9%
      Toothpaste $3.76$3.701.4%
      Shampoo $1.38$1.287.6%
      Movie $13.39$12.1310.4%
      Bowling $16.98$18.005.7%

      Groceries

      Item Celina National avg. Difference
      Ground Beef $4.95$5.8415.2%
      Fried Chicken $1.73$1.579.7%
      Milk $4.62$4.671.0%
      Potatoes $5.06$4.932.5%
      Pizza $12.96$12.097.2%
      Beer $10.31$10.411.0%

      Health Care

      Item Celina National avg. Difference
      Optometrist $98.91$125.6821.3%
      Doctor $195.55$135.7844.0%
      Dentist $109.86$113.293.0%
      Ibuprofen $10.77$10.651.1%
      Lipitor $511.43$468.609.1%

      Housing

      Item Celina National avg. Difference
      Home Price $123,100.00$184,700.0033.4%
      Avg. Mortgage Payment $2,211.29$2,346.695.8%
      Apartment Rent $713.00$949.0024.9%

      Transportation

      Item Celina National avg. Difference
      Gasoline $3.48$3.460.4%
      Tire Balancing $93.87$59.9256.7%

      Utilities

      Item Celina National avg. Difference
      All Electricity $200.81$193.993.5%
      Phone $185.74$192.253.4%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Willshire, OH3478218.2%
      Elgin, OH1438812.3%
      Ohio City, OH7308911.3%
      Mendon, OH643909.7%
      Rockford, OH883918.6%
      Celina, OH10,498955.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Timberlane, LA10,498972.6%
      Wyomissing, PA10,49911616.2%
      Gunbarrel, CO10,49415050.4%
      North Glengarry, ON10,494n/a 
      West Vero Corridor, FL10,5078911.1%
      Celina, OH10,498955.1%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.