Fairfield, OH vs. Hamilton, OH: Cost of Living Comparison (2025)
Many believe that Hamilton is more affordable than Fairfield, but is that really true? This article provides a detailed cost of living comparison between Fairfield and Hamilton. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of living in these two Ohio cities in 2025.
1. Housing Costs
Housing is often the biggest expense when comparing the cost of living in Fairfield vs Hamilton. Here’s how typical rent and mortgage costs stack up:
| Housing Type | Fairfield | Hamilton |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $1,100 | $950 |
| 3BR House (Median Price) | $280,000 | $220,000 |
🏆 Winner: Hamilton. Housing costs are notably lower in Hamilton, with savings of around $150/month on rent and $60,000 on home prices compared to Fairfield.
2. Utilities and Energy Costs
Utility bills in Fairfield and Hamilton are fairly similar. Expect to pay around $120-$180/month for electricity, gas, water, and trash, with costs rising in the summer due to air conditioning. Both cities offer budget billing programs to even out seasonal spikes.
🏆 Winner: Tie. Utility costs are comparable between the two cities.
3. Groceries and Daily Expenses
Grocery prices and everyday costs like dining out or buying household goods are nearly identical in Fairfield and Hamilton. Budget around $300-$500/month per person for groceries and incidentals in either city.
🏆 Winner: Tie. No significant difference in food and daily living costs.
4. Taxes and Fees
Hamilton has slightly lower property taxes than Fairfield (1.2% vs 1.4%). However, Fairfield’s HOA fees are often lower and include more services like landscaping and trash pickup. City service fees are similar.
🏆 Winner: Hamilton. Lower property tax rates give Hamilton a slight edge.
5. Cost Summary Table
| Expense Category | Fairfield | Hamilton |
|---|---|---|
| Housing (3BR) | $1,800 | $1,400 |
| Utilities | $150 | $150 |
| Groceries | $400 | $400 |
| Transportation | $200 | $180 |
| Taxes & Fees | $600 | $500 |
| Misc Expenses | $250 | $250 |
| Estimated Monthly Total | $3,400 | $2,880 |
6. Lifestyle Fit
While Hamilton offers lower housing costs, Fairfield has advantages like newer homes, more space, and quieter neighborhoods. Commute times to Cincinnati are about 10 minutes shorter from Fairfield. However, Hamilton has more walkable areas and public transit options.
7. FAQ
- Is Fairfield more affordable than Hamilton? No, Hamilton has a lower overall cost of living, mainly due to cheaper housing.
- Which city has lower rent? Rent prices are around 15% lower in Hamilton.
- Where is it cheaper to buy a home? Hamilton’s median home price is about $60,000 less than Fairfield’s.
8. Conclusion
For most lifestyles, Hamilton offers a meaningfully lower cost of living than Fairfield, with potential savings of $400-$500/month. Budget-conscious households, remote workers, and retirees may prefer Hamilton. However, Fairfield can be worth the premium for newer housing, more space, and shorter commutes. Whichever you choose, partner with a top-rated moving company for a smooth relocation.