Westerville is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment at $1,450 and slightly lower utility costs compared to the national average.
Is the true cost of living in Westerville higher than you think? Let’s take an in-depth look at the monthly expenses you can expect when living in this charming Columbus suburb in 2025.
Housing Costs in Westerville
Housing options in Westerville range from cozy apartments to spacious single-family homes. Rental prices for a typical 2-bedroom apartment fall between $1,300 and $1,600 per month, with an average of $1,450. Neighborhoods like Huber Village and Annehurst tend to have more affordable options, while rents in Uptown Westerville may be slightly higher.
For those looking to purchase a home, a 3-bedroom house in Westerville typically costs between $350,000 and $450,000. Prices can vary significantly based on the neighborhood, age of the home, and property size. Some key differences across housing types include:
- Apartments: $1,100 – $1,800/month
- Townhomes: $1,500 – $2,200/month
- Single-family homes: $1,800 – $2,500/month
Keep in mind that some neighborhoods, particularly those with newer developments, may have mandatory Homeowners Association (HOA) fees ranging from $100 to $300 per month.
Utilities and Energy Bills
Basic utility costs in Westerville, including electricity, gas, water, and trash, average around $180 per month for a 1,000 square foot apartment. Expect higher bills during the summer months due to increased air conditioning usage. Here’s a breakdown of typical monthly utility costs:
| Utility | Average Monthly Cost |
|---|---|
| Electricity | $90 |
| Gas | $40 |
| Water & Sewer | $35 |
| Trash | $15 |
Groceries and Daily Expenses
The average grocery bill for a single person in Westerville is around $300 per month, while a family of four can expect to spend closer to $900. These figures include basic household items and occasional dining out. To give you a better idea, here’s a price comparison of common grocery items:
- Gallon of milk: $3.50
- Loaf of bread: $2.25
- Dozen eggs: $2.00
- Pound of chicken breast: $4.50
Dining out at a mid-range restaurant typically costs $15-$25 per person, while a fast-food meal is around $8.
Taxes and Hidden Fees
Westerville’s property tax rate is 2.03%, which is slightly higher than the national average of 1.07%. For a home valued at $400,000, annual property taxes would be approximately $8,120. Ohio’s state sales tax is 5.75%, with Franklin County adding an additional 1.25%, for a total of 7% sales tax in Westerville.
Vehicle registration fees in Ohio range from $34.50 to $54.50, depending on the type of vehicle. If you live in a community with an HOA, factor in those monthly fees as well.
Monthly Budget Summary
| Household Size | Estimated Monthly Budget |
|---|---|
| Single Person | $2,500 – $3,000 |
| Couple | $3,500 – $4,200 |
| Family of Four | $5,000 – $6,000 |
Keep in mind that these are gross monthly income estimates (pre-tax) and may vary depending on your specific lifestyle and needs.
Lifestyle Considerations
When deciding where to live in Westerville, consider factors like commute time, home size, access to parks and recreation, and job opportunities. Neighborhoods closer to the I-270 loop, such as Highland Lakes and The Lakes at Polaris, may offer quicker access to major employers in Columbus. However, these areas may have higher housing costs compared to more affordable options further from the city center.
Westerville strikes a balance between affordability and convenience, with a variety of housing options to suit different budgets and preferences. While newer homes in master-planned communities may come with higher price tags, they often offer modern amenities and a strong sense of community. Older homes in established neighborhoods may be more affordable but could require updates or renovations.
With over 40 parks and green spaces, Westerville offers ample opportunities for outdoor recreation. The city also boasts a vibrant Uptown district with local shops, restaurants, and community events. When comparing moving company costs and options, factor in the potential tradeoffs between housing affordability, commute times, and access to amenities that matter most to you and your family.
Frequently Asked Questions
Q: How much do I need to earn to live comfortably in Westerville?
A: A comfortable lifestyle in Westerville may require a gross monthly income of $4,200 for a couple or $5,500 for a family of four. However, this can vary depending on your specific needs and lifestyle preferences.
Q: Is Westerville more affordable than Columbus?
A: Yes, Westerville tends to be more affordable than living in downtown Columbus, particularly when it comes to housing costs. However, some neighborhoods in Westerville may be pricier than others.
Q: Are there any additional costs to consider when budgeting for Westerville?
A: Be sure to factor in any HOA fees, which can range from $100 to $300 per month in some neighborhoods. Also, consider the cost of commuting if you work in Columbus or other nearby cities.
Q: What is the job market like in Westerville?
A: While Westerville has some local job opportunities, many residents commute to Columbus for work. Key industries in the area include healthcare, education, and financial services.
Q: Are there affordable childcare options in Westerville?
A: Childcare costs in Westerville are similar to the national average, with prices ranging from $800 to $1,200 per month for full-time care. Some employers offer childcare benefits, and there are also subsidized programs available for low-income families.
Q: How do utility costs in Westerville compare to other cities?
A: Utility costs in Westerville are slightly lower than the national average, particularly when it comes to electricity and natural gas. However, costs can vary depending on the size and efficiency of your home.
Q: Are there any hidden costs to watch out for when renting in Westerville?
A: Be sure to ask about application fees, security deposits, and any additional monthly fees for parking or pet rent. Some landlords may also require renters insurance, which can add to your monthly expenses.
By carefully considering your monthly expenses and lifestyle priorities, you can create a realistic budget for living comfortably in Westerville, OH in 2025.