Hilliard, OH vs. Dublin, OH: Cost of Living Comparison (2025)
Meet the Johnsons, a family of four debating a move to the Columbus suburbs. They’ve narrowed it down to Hilliard and Dublin, but aren’t sure which fits their lifestyle and budget. Sound familiar? This cost of living comparison of Hilliard vs Dublin in 2025 is perfect for families like the Johnsons, professionals choosing between job offers, or anyone weighing the real costs of these two cities.
Housing Costs: Hilliard vs Dublin
Housing is the biggest factor in the cost of living in Hilliard, OH and Dublin. Here’s how typical housing expenses compare:
| Housing Type | Hilliard | Dublin |
|---|---|---|
| Median Home Price | $350,000 | $450,000 |
| Mortgage Payment* | $1,400 | $1,800 |
| 2BR Apartment Rent | $1,200 | $1,500 |
*Assuming 20% down, 30-year fixed mortgage at 3.5% interest.
🏆 Winner: Hilliard. Buying a home in Hilliard costs around 22% less than Dublin, while renting is about 20% cheaper.
Utilities and Energy Costs
Powering and heating your home is another key expense. In Hilliard and Dublin, expect to pay:
- Electricity: $120-150/month
- Gas: $80-100/month
- Water/Sewer/Trash: $70-90/month
Costs rise about 20% in the peak of summer and winter. Both cities offer budget billing to level out seasonal spikes.
🏆 Winner: Tie. Utility costs are nearly identical between Hilliard and Dublin.
Groceries and Daily Expenses
Feeding a family, grabbing lunch, or restocking essentials? In Hilliard and Dublin, plan for:
- Groceries for family of 4: $900-1,000/month
- Dinner out for 4: $60-80 (casual), $120-160 (upscale)
- Coffee: $4-5
- Gallon of milk: $3.50-4.00
🏆 Winner: Hilliard, but just barely. Everyday costs trend 5-10% lower in Hilliard stores and restaurants vs Dublin.
Taxes and Fees in Hilliard vs Dublin
Don’t overlook local taxes and fees. In Hilliard, expect:
- Property tax rate: 2.03% (Franklin County average)
- HOA fees: $30-300/month
While in Dublin, plan for:
- Property tax rate: 2.21% (Delaware/Union/Franklin County average)
- HOA fees: $50-400/month
🏆 Winner: Hilliard. Lower property taxes and HOA fees give Hilliard the edge.
Hilliard vs Dublin Cost of Living Summary
| Expense | Hilliard | Dublin |
|---|---|---|
| Housing | $1,400 | $1,800 |
| Utilities | $300 | $300 |
| Groceries | $900 | $950 |
| Transportation | $500 | $500 |
| Taxes | $590 | $828 |
| Misc | $400 | $450 |
| Estimated Monthly Total | $4,090 | $4,828 |
Lifestyle Fit: Hilliard or Dublin?
Cost is just one factor in choosing Hilliard vs Dublin. Also consider:
- Hilliard offers more affordable space and a small-town feel, but longer commutes to Columbus.
- Dublin has top-rated schools, upscale amenities, and corporate HQs, but at a premium price.
Dublin averages 5°F cooler than Hilliard in July. Both get chilly winters and mild summers.
Hilliard vs Dublin Cost FAQ
Is Hilliard more affordable than Dublin?
Yes, Hilliard has a lower overall cost of living than Dublin, mainly due to cheaper housing, taxes, and daily expenses.
Which city has lower rent?
Hilliard rents average about 20% less than comparable apartments in Dublin.
Where is it cheaper to buy a home?
Buying a home in Hilliard costs around 22% less than a similar home in Dublin. See our full breakdown of how much it costs to live in Hilliard each month.
Conclusion
For the budget-conscious, Hilliard offers significant savings over Dublin, especially on housing. However, Dublin’s premium perks, like top schools and upscale amenities, could be worth the higher cost for some families and professionals.
The Johnsons are leaning towards Hilliard for its affordability and small-town charm, but Dublin is still on the table for its excellent schools as their kids reach high school age.
Considering other Columbus suburbs? Check out our cost of living comparisons for popular Ohio cities and see if moving pods or trucks are best for your move.