Key Economic Benchmarks
Median Household Income
$76,817$6,401 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Miami County, OH
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Miami County, OH
Official FY2026 HUD Fair Market Rents for Dayton-Kettering-Beavercreek, OH MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $928 | $11,136 | $37,120 | 14.5% |
| 1-Bedroom Apartment | $1,009 | $12,108 | $40,360 | 15.8% |
| 2-Bedroom ApartmentBenchmark | $1,273 | $15,276 | $50,920 | 19.9% |
| 3-Bedroom Home | $1,651 | $19,812 | $66,040 | 25.8% |
| 4-Bedroom Home | $1,817 | $21,804 | $72,680 | 28.4% |
50/30/20 Living Budget in Miami County, OH
Based on the local median household income of $76,817/year ($6,401/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Ohio
Explore net income after federal income tax, FICA, and Ohio state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Ohio with official federal datasets:
Frequently Asked Questions About Living in Miami County, OH
What is the median household income in Miami County, OH?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Miami County, OH is $76,817 per year (approximately $6,401 per month).
What is the average rent in Miami County, OH?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Miami County, OH are $928 for a studio, $1,009 for 1 bedroom, $1,273 for 2 bedrooms, $1,651 for 3 bedrooms, and $1,817 for 4 bedrooms.
How does the cost of living in Miami County, OH compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Miami County, OH is 92.7 (7.3% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Miami County, OH?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,273/month) in Miami County, OH requires a minimum gross household income of $50,920 per year ($4,243 per month).
What is a balanced 50/30/20 monthly budget in Miami County, OH?
For a typical household earning the median income of $76,817/year ($6,401/month) in Miami County, OH, a balanced 50/30/20 budget allocates $3,201/month to essential needs (rent, utilities, groceries), $1,920/month to discretionary spending, and $1,280/month to savings and debt repayment.
What are typical electricity and utility costs in Miami County, OH?
Residential electricity rates in Ohio average 19.2¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $173 per month.