Cincinnati vs Franklin
Cost of Living Comparison · 2026
Cincinnati
Franklin
The Verdict
Cincinnati is 34.5% less expensive than Franklin overall. A household earning $75,000 in Cincinnati would need approximately $114,560 in Franklin to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Cincinnati has the same purchasing power as $114,560 in Franklin.
Conversely, $75,000 in Franklin equals $49,101 in Cincinnati.
Living in Cincinnati vs Franklin
Housing Costs
Cincinnati's housing index of 76 is lower Franklin's 230, translating to median home prices of $195,000 vs $750,000. The $555,000 difference in home prices means roughly $36,072 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Cincinnati compared to $1,850/mo in Franklin, a monthly difference of $750.
Grocery & Food Costs
Grocery expenses index at 99 in Cincinnati and 100 in Franklin. A household spending the national average of $475/month on groceries would pay approximately $470/month in Cincinnati vs $475/month in Franklin. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Cincinnati and 97 in Franklin. Monthly utility bills average approximately $372 in Cincinnati vs $388 in Franklin. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 96 in Cincinnati and 91 in Franklin. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $44,003 in Cincinnati and $118,200 in Franklin. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $48,355 and $85,036 respectively. Franklin residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,027/month to housing in Cincinnati vs $2,758/month in Franklin. In Cincinnati, median rent of $1,100/mo exceeds this threshold, suggesting renters may feel stretched. In Franklin, median rent of $1,850/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 154 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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