Cost of Living in Kettering, OH
Updated November 2026 · Montgomery County · Dayton-Kettering-Beavercreek, OH metro area · population 57,206
Prices in Kettering are 7.7% below the US average (local index 92.3; the BEA index for the Dayton-Kettering-Beavercreek, OH metro area is 92.7), with local housing the biggest saving at 72.6; a single adult's modelled budget is about $2,348 a month and the median rent is $1,051.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Kettering's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the Dayton-Kettering-Beavercreek, OH metro area, unchanged.
Kettering price index by category, US average = 100: All items 92.3, Housing (rents) 72.6, Goods 93.6, Utilities 95.4, Other services 98.9
It is the 7th most expensive of the 18 Ohio cities in our data. Cheaper than 85% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 92.5 | 91.8 | 92.3 | 91.5 | 92.4 | 92.7 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Kettering, OH
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $728 | $8,736 | 31% |
| Utilities | $260 | $3,120 | 11% |
| Food at home | $264 | $3,168 | 11% |
| Transportation | $589 | $7,068 | 25% |
| Health care | $348 | $4,176 | 15% |
| Clothing, personal care & supplies | $159 | $1,908 | 7% |
| Total | $2,348 | $28,176 | 100% |
2 adults · 2-bedroom · modelled estimate for Kettering, OH
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $888 | $10,656 | 23% |
| Utilities | $413 | $4,956 | 11% |
| Food at home | $488 | $5,856 | 12% |
| Transportation | $1,166 | $13,992 | 30% |
| Health care | $645 | $7,740 | 16% |
| Clothing, personal care & supplies | $313 | $3,756 | 8% |
| Total | $3,913 | $46,956 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Kettering, OH
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,117 | $13,404 | 23% |
| Utilities | $503 | $6,036 | 10% |
| Food at home | $695 | $8,340 | 14% |
| Transportation | $1,553 | $18,636 | 32% |
| Health care | $601 | $7,212 | 12% |
| Clothing, personal care & supplies | $403 | $4,836 | 8% |
| Total | $4,872 | $58,464 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Kettering
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $696 |
| 1 bedroom | $859 |
| 2 bedrooms | $1,048 |
| 3 bedrooms | $1,317 |
| 4 bedrooms | $1,750 |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $1,051 |
| Median contract rent (excl. utilities) | $891 |
| Median home value | $208,500 |
| Owner costs with a mortgage | $1,467/mo |
| Median household income | $74,681 |
| Rent as % of renter income Moderate | 27.5% |
| Home value ÷ household income Very affordable | 2.8× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in Ohio
19.38¢ per kWh, August 2026
12-month change: +10.4% (from 17.55¢) · US 18.16¢
Average household uses 865 kWh a month in Ohio ≈ $159/month. Source: EIA-861M (statewide average).
Regular gasoline
$4.09 per gallon, week of 2026-11-02
12-month change: +41.0% (from $2.90) · US $4.15
EIA weekly retail price survey.
Inflation in the Midwest
Consumer prices in the Midwest Census region rose +4.2% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Kettering are 7.7% below the US average, $60,000 here has the buying power of about $65,000 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 92.3. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Dayton, OH | 7 mi | 90.6 | $2,150 | $918 |
| Middletown, OH | 18 mi | 92.9 | $2,269 | $1,007 |
| Springfield, OH | 25 mi | 89.9 | $2,095 | $851 |
| Hamilton, OH | 30 mi | 92.9 | $2,237 | $1,007 |
| Cincinnati, OH | 43 mi | 92.8 | $2,355 | $1,001 |
| Covington, KY | 50 mi | 92.8 | $2,290 | $1,006 |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Augusta, GA | 92.3 | $2,405 | $1,142 |
| Omaha, NE | 92.3 | $2,414 | $1,187 |
| Normal, IL | 92.3 | $2,384 | $965 |
| Broken Arrow, OK | 92.2 | $2,449 | $1,320 |
| Amarillo, TX | 92.2 | $2,287 | $1,092 |
| Temple, TX | 92.3 | $2,485 | $1,231 |
Compare Kettering with another city
Frequently asked questions
Is Kettering, OH an expensive place to live?
Kettering has a local cost of living index of 92.3, which is 7.7% below the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the Dayton-Kettering-Beavercreek, OH metro area (92.7) and adjusts housing to Kettering's own rents. It is 0.5 points below the Ohio average. It is the 7th most expensive of the 18 Ohio cities in our data. Cheaper than 85% of the cities we cover.
How much money do you need to live in Kettering?
Our modelled estimate of basic monthly costs is $2,348 for a single adult, $3,913 for a couple and $4,872 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $55,400 in Kettering.
What is the average rent in Kettering?
The median gross rent (rent plus tenant-paid utilities) is $1,051 a month (Census ACS 2020-2024). By size: 1 bedroom $859, 2 bedrooms $1,048, 3 bedrooms $1,317. The typical renter spends 27.5% of household income on rent (moderate).
How much does a house cost in Kettering?
The median owner-estimated home value is $208,500, 2.8 times the median household income of $74,681 (very affordable). Owners with a mortgage pay a median $1,467 a month in housing costs.
How much is electricity and gas in Kettering?
Ohio residential electricity averaged 19.38¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $4.09 a gallon (Ohio average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the Dayton-Kettering-Beavercreek, OH metropolitan statistical area (BEA index 92.7) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 3940040 (Kettering city).
- Electricity: EIA-861M, Ohio residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, Ohio, week of 2026-11-02.
- Inflation: BLS CPI-U Midwest region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources