Hamilton, OH vs. Mason, OH: Cost of Living Comparison (2025)
Considering a move to southwest Ohio? This article provides a detailed cost of living comparison between Hamilton and Mason. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life costs of these two cities in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how Hamilton and Mason stack up for typical housing options:
| Housing Type | Hamilton | Mason |
|---|---|---|
| Median 2BR Apartment Rent | $950 | $1,350 |
| Median 3BR Home Price | $225,000 | $375,000 |
🏆 Winner: Hamilton. Housing costs are significantly lower in Hamilton compared to Mason, with savings of $400/month on a typical apartment and $150,000 on the median-priced home.
2. Utilities and Energy Costs
Utility costs also factor heavily into monthly budgets. In southwest Ohio, expect the following average monthly utility bills:
- Electricity: $120-150
- Natural gas: $50-80 (higher in winter)
- Water/sewer/trash: $60-90
- Internet: $50-80
🏆 Winner: Tie. Utility rates are regulated and fairly consistent across the region. No major cost differences between Hamilton and Mason.
3. Groceries and Daily Expenses
For a family of four, expect to budget around $800-1000 per month for groceries in either Hamilton or Mason. Eating out costs are also comparable, with a basic meal out for two averaging $35-50 in both cities.
🏆 Winner: Tie. No significant difference in food and daily living costs between the two cities.
4. Taxes and Fees
Three key areas where Hamilton and Mason differ in cost:
- Property taxes: Hamilton’s property tax rate is 2.05%, while Mason’s is 2.31%. On a $300K home, that’s a difference of $780/year.
- City income taxes: Hamilton has a 2% income tax vs Mason’s 1.12%. For a household earning $80K/year, that’s a difference of $704.
- Auto fees: Hamilton charges a $20/year auto registration fee. Mason has no extra auto fees.
🏆 Winner: Mason. Lower property and income tax rates give Mason the edge, despite Hamilton’s lower housing costs.
5. Cost Summary Table
| Category | Hamilton | Mason |
|---|---|---|
| Housing (3BR home) | $1,500 | $2,500 |
| Utilities | $350 | $350 |
| Groceries | $900 | $900 |
| Transportation | $500 | $550 |
| Taxes (income & property) | $850 | $700 |
| Misc Expenses | $500 | $600 |
| Estimated Monthly Total | $4,600 in Hamilton | $5,600 in Mason |
6. Lifestyle Fit
While costs are important, also consider lifestyle fit. Some key differences:
- Hamilton offers more affordable space and a small-town feel, while Mason provides more suburban amenities and newer housing.
- Mason has more upscale shopping and dining options, while Hamilton’s downtown is more walkable.
- Hamilton is about 15 minutes closer to downtown Cincinnati.
7. FAQ
Q: Is Hamilton more affordable than Mason?
A: Yes, Hamilton has a lower overall cost of living, primarily due to cheaper housing. See our full breakdown of average monthly expenses in Hamilton.
Q: Which city has lower rent?
A: Hamilton has lower rental rates, with a typical 2BR apartment renting for about $400 less per month than in Mason.
Q: Where is it cheaper to buy a home?
A: Hamilton. The median price for a 3BR home is about $150,000 lower in Hamilton compared to Mason.
8. Conclusion
In summary, Hamilton offers a lower cost of living, especially for housing, making it attractive for those seeking affordability and space. However, Mason provides more suburban comforts and amenities for a slightly higher price tag.
Ultimately, the best fit depends on your budget, lifestyle, and preferences. Be sure to compare other factors like schools, crime rates, and job opportunities as part of your decision. And if you do make the move, consult our guide to the best moving companies to find reliable movers.