Salary needed
A $50,000 salary in Montgomery County, MD would need to be about $27,945 in Lucas County, OH, or $22,055 less, to match the modeled cost ratio.
Montgomery County, MD vs Lucas County, OH: Cost of Living Difference
Is it cheaper?
Lucas County, OH is cheaper than Montgomery County, MD.
Moving to Lucas County, OH is estimated to save $31,850 per year.
Cheaper County
Lucas County, OHSave about $31,850 per year.Salary needed
$50,000 in Montgomery County, MD is about $27,945 in Lucas County, OH.
Biggest drivers
Healthcare increases by $1,076 per year. Housing saves $15,674 per year.
Housing: $15,674 lower in Lucas County, OH
Taxes: $10,302 lower in Lucas County, OH
Childcare: about the same in both counties
Healthcare: $1,076 higher in Lucas County, OH
Food: $1,131 lower in Lucas County, OH
Transport: $602 lower in Lucas County, OH
Montgomery County, MD→Lucas County, OH
Equivalent salary in Lucas County, OH
$27,945
-44.11% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in Montgomery County, MD: $158,399
Median Income in Lucas County, OH: $81,329
Living Index in Montgomery County, MD 45.58%
Living Index in Lucas County, OH 49.62%
This estimate matches your purchasing power (equivalent salary) when moving from Montgomery County, MD to Lucas County, OH.
* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Summary
Moving from Montgomery County, MD to Lucas County, OH is estimated to save $31,850 per year. A $50,000 salary in Montgomery County, MD would have similar purchasing power to about $27,945 in Lucas County, OH. The largest savings come from housing and taxes.
This is a -44.11% decrease in modeled annual costs. Housing is $15,674 per year lower (-63.8%); Taxes is $10,302 per year lower (-60.59%).
Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.
Why this comparison matters
These notes use the actual annual cost differences between Montgomery County, MD and Lucas County, OH, so the page highlights the budget tradeoffs behind the total.
Affordability vs median income
Modeled annual costs equal about 45.6% of median family income in Montgomery County, MD and 49.6% in Lucas County, OH. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Housing
Housing is $15,674 per year lower in Lucas County, OH than in Montgomery County, MD. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Lucas County, OH changes their baseline budget.
Food
Food is $1,131 per year lower in Lucas County, OH than in Montgomery County, MD. Food costs affect weekly cash flow, so even a smaller annual gap in Lucas County, OH can show up quickly for households that cook most meals at home.
Transportation
Transportation is $602 per year lower in Lucas County, OH than in Montgomery County, MD. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Lucas County, OH.
Healthcare
Healthcare is $1,076 per year higher in Lucas County, OH than in Montgomery County, MD. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Lucas County, OH changes provider networks or plan options.
Other necessities
Other necessities is $5,217 per year lower in Lucas County, OH than in Montgomery County, MD. Other necessities cover everyday basics, so changes in Lucas County, OH help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in Montgomery County, MD and Lucas County, OH, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Lucas County, OH, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $10,302 per year lower in Lucas County, OH than in Montgomery County, MD. Taxes affect take-home pay, so the gap in Lucas County, OH matters even if the headline salary looks similar before deductions.
What changed the most?
The following cards show the annual category differences that most affect the move to Lucas County, OH.
Biggest Cost
Largest annual cost increase when moving to Lucas County, OH
Annual Increase:
$1,076 per year
HEALTHCARE has the largest annual increase when moving to Lucas County, OH.
Biggest Savings
Largest annual savings when moving to Lucas County, OH
Annual Savings:
$15,674 per year
HOUSING has the largest annual savings when moving to Lucas County, OH.
Breakdown of price percentages per category.
Numbers are average costs per section.
| Category | Difference | |
|---|---|---|
| Housing | -64% lower | |
| Food | -22% lower | |
| Transport | -5% lower | |
| Healthcare | 25% higher | |
| Other Costs | -57% lower | |
| Childcare | 0% higher | |
| Taxes | -61% lower |
In Lucas County, OH, modeled annual costs are $40,353 compared with $72,203 in Montgomery County, MD.
Overall, annual costs are lower in Lucas County, OH. The category breakdown above shows where the move creates the most room in the budget.
In this case Lucas County, OH and Montgomery County, MD are both metropolitan locations.
Use our map to visually compare multiple counties at once.
