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City Housing Verdict

Apple Valley, OH

Manageable

The cost of living in Apple Valley, OH is 9% below the national average (Cost Index: 91). Homes here are typically valued around $262,500, compared to the $303,400 national median. The median household income is $97,005 — overall, living costs and earnings are reasonably balanced in this area.

Apple Valley looks comparatively manageable for household relocation, with 14% rent burden, 2.7x home-price-to-income, and a housing index of 87. Use the assumptions below to test whether your own budget still stays in the safe range.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Apple Valley.

Monthly Housing
$1,165/mo
Lower of rent or buy scenario
Housing Burden
14%
Healthy
Residual Cash
$6,419/mo
After housing and debt · $2,140/person
Rent vs Buy
Buying can be tested
Main pressure: property tax
Assumptions
Housing Mode
Confidence: MediumHome source: ACSRent source: ACSBEA proxy: nonmetroHousehold size: 3Down payment: 20%Fixed burden: 21%
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Cost Index
91
Average
Based on housing costs · See methodology
Median Home Value
$262,500
Source: Census ACS
National: $303,400
Median Rent
$1,165/mo
Source: Census ACS
National: $1,348/mo
Household Income
$97,005
National: $78,538
Population
5,125
Purchasing Power
136
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
87 / 100
13% below average
Rent Index
86 / 100
14% below average
Goods & Groceries
96 / 100
About the same as most US cities
BEA State Nonmetro avg.
Utilities
88 / 100
12% lower utility bills
BEA State Nonmetro avg.
Healthcare & Services
98 / 100
In line with national average
BEA State Nonmetro avg.
Overall Index
91
Average

Apple Valley Mortgage Calculator

Pre-filled with the local median home value of $262,500 and Ohio's property tax rate of 1.53%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$97,005
Census ACS place context
Rent Burden Estimate
14%
Typical annual rent / local household income
Home Price to Income
2.7x
Typical home value / local household income
Use this section to judge whether Apple Valley looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Apple Valley, OH

Est. Annual Property Tax
$4,016
Monthly Impact
$335
Added to your mortgage
Effective Rate
1.53%
National avg: ~1.00%

Ohio Place Tax Context

Tax TypeOhioNational Avg
Property Tax Rate1.53%1.00%
Top Income Tax Rate3.5%~5.0%
State Sales Tax7.24%~5.0%

Compare Apple Valley to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Apple Valley, OH
91
86
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Apple Valley, OH: 87
Rent Prices
86

FAQ: Living in Apple Valley

Is Apple Valley, OH an affordable place to live?+

Yes — everyday expenses in Apple Valley run about 9% below the US average (Cost Index: 91). Housing is especially affordable: the median home is valued around $262,500, compared to the $303,400 national median. Monthly rent is typically around $1,165, versus $1,348 nationally.

How does Apple Valley fit a household housing budget?+

Start with housing. Typical monthly rent is $1,165, while local median household income is $97,005. That implies a rent-burden proxy of about 14% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Apple Valley, OH?+

Ohio has a progressive state income tax with a top rate of 3.5%. The effective property tax rate is 1.53%. On a home worth $262,500, that translates to roughly $4,016 per year in property taxes. Sales tax (state + local) averages around 7.24% on everyday purchases.

How much does it cost to rent in Apple Valley, OH?+

The typical monthly rent in Apple Valley is around $1,165. That's roughly 14% lower than the $1,348 national median. For comparison, the median home value here is $262,500, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Apple Valley, OH?+

The median home in Apple Valley is valued at $262,500. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,327/month for principal and interest alone — before property taxes and insurance. About 95% of residents here own their homes.

Are groceries and utilities expensive in Apple Valley?+

Grocery prices in Apple Valley are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Apple Valley, OH like to live in?+

Apple Valley is a small town with a population of about 5,125. The median age of residents is 52.4, skewing somewhat older — common in established suburban communities. The local poverty rate is 3.1%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Ohio

If Apple Valley feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Ohio

Use these city pages when you want to compare Apple Valley against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly