CitytisticsShortlist

Cost of living, pay and housing

39.70° N · 84.24° W · GEOID 3952010

Moraine

Montgomery County, Ohio · part of the Dayton, OH metro

OhioMoraine, OHMoraineMoraine

The short answer

Moraine is home to 6,536 people. Median household income is $48,788 a year and median rent is $1,035 a month, 25.5% of income (a ratio of two medians, not any one household's burden). Rent pressure is moderate. The median home is valued at $156,800, about 3.2x annual median household income.

The story in Moraine is how fast things are changing. Housing became less affordable between 2019 and 2024: rent went from 20.2% to 25.5% of income. Also notable: After the median rent, with other prices set to the US average, the median household keeps about $37,600 a year, less than in 92% of places its size.

10OF 100

CTXCitytistics Index

Weak

Moraine scores better than 10% of the 6,612 places we rate, and ranks 282nd of 290 in Ohio.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%43
Economy 20%29
Safety 20%4
Amenities 15%52
Education 10%14
Commute 10%61
Growth 5%25
Median gross rent
$1,035
24% below the median place
Median household income
$48,788
39% below the median place
Median home value
$156,800
51% below the median place
Unemployment
5.0%
2% above the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Moraine

  • GrowthCompared with the 25 places most like it in size, age, education, housing and region (such as Marengo, IL, Springfield, MI and Scottsburg, IN), home value growth here is higher: 11.1% a year against a typical 8.3% a year.
  • GrowthCompared with the 25 places most like it in size, age, education, housing and region (such as Marengo, IL, Springfield, MI and Scottsburg, IN), household income growth here is lower: 1.3% a year against a typical 4.6% a year.
01

Moving to Moraine

Montgomery County loses about 0.9 residents per 1,000 a year to moves between counties.

Moved in21,282
Moved out21,649
Net−367

Where people come from and where they go, top counties

Greene County, OH3,5493,690−141
Warren County, OH1,6211,801−180
Miami County, OH1,1581,541−383
Butler County, OH1,216931+285

Within Ohio, other states or abroad

Arrivals
Leavers
Within OhioOther statesAbroad

Income per tax return

Arrivals$55K
Leavers$64K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Montgomery County; flows under 20 returns are not published.

Who moves here
4.1% of residents arrived from another county in the past year, 1.9% from another state.
Who arrives and who leaves
Households moving into Montgomery County report $55,400 a year in income on average; those leaving, $64,300, so leavers earn more than newcomers.
Income you would need
$41,400 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,035 a month; owners with a mortgage pay $1,233 a month including taxes and insurance, on a median home of $156,800.
Getting to work
23 minutes each way on average; 11.2% work from home; 1.2% take transit.
If it is close but not quite
Ontario, OR matches it on character for less of your income. Compare the two
Moved here in the past year1
4.1%
28% below the median place
Income of households moving in8
$55,381
22% below the median place
Income of households moving out8
$64,310
8% below the median place
All 5 moving measures
MeasureMoraineAmong 6,645 placesVs median
Moved here in the past year14.1%28% below
Moved from another state1County figure1.9%3% below
Net movers per 1,000 people8County figure-0.950% below
Income of households moving in8County figure$55,38122% below
Income of households moving out8County figure$64,3108% below
02

What it costs to live here

Renters paying 30%+ is 69.0%, 36% above the median place.

Moraine25.5%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$41,400
a year, at the 30% line
Rent to income
25.5%
25% above the median place
Home price to income
3.2x
16% below the median place

Could you afford it?

The median rent would take
25%
just under the 30% line
Left after rent, in US prices
$37,800
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Moraine, $1,035 a month, and local prices for everything else (96.8 against a US average of 100). It runs in your browser and stores nothing.

Like Moraine, but easier on the budget

Places that match Moraine on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Ontario, OR9620.8% vs 25.5%n/aCompare
Enola, PA9618.1% vs 25.5%$22,000Compare
Lewisburg, TN9521.6% vs 25.5%n/aCompare
Laurel, MT9517.1% vs 25.5%$21,100Compare

Moving from somewhere else? Work out the salary you would need in Moraine.

Sponsored · exampleMoving to Moraine? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
69.0%
36% above the median place
Owner costs with a mortgage1
$1,233
34% below the median place
Median home value1
$156,800
51% below the median place
All 16 cost and housing measures
MeasureMoraineAmong 6,645 placesVs median
Median gross rent1$1,03524% below
Rent to income125.5%25% above
Property tax rate11.5%67% above
Home price to income13.2x16% below
Prices vs US average2Metro figure92.78% below
Fair market rent, 2 bedrooms3County figure$1,24823% below
HUD area median income4County figure$103,0004% below
Property tax paid (median)1$2,38027% below
Median home value1$156,80051% below
Home prices, 1-year change5County figure5.7%77% above
Home prices, 5-year change5County figure55.8%8% above
Homeownership155.4%17% below
Renters paying 30%+169.0%36% above
Owner costs with a mortgage1$1,23334% below
Vacant homes114.1%99% above
Median year built119790% above
03

Work and pay

Median household income is $48,788, 39% below the median place.

Median household income1
$48,788
39% below the median place
Poverty rate1
22.8%
112% above the median place
Income per person1
$29,034
28% below the median place

More on work and pay, against the typical place

Mean commute23 min −6%
Works from home11.2% −10%
Unemployment5.0% +2%
All 10 work and pay measures
MeasureMoraineAmong 6,645 placesVs median
Median household income1$48,78839% below
Income per person1$29,03428% below
Unemployment15.0%2% above
Average annual pay6County figure$63,7883% below
Pay growth, 1 year6County figure3.8%3% above
Jobs6County figure251,92567% above
Poverty rate122.8%112% above
Mean commute123 min6% below
Works from home111.2%10% below
Commutes by transit1County figure1.2%38% above
04

Who lives here

Median age is 33.6, 14% below the median place.

Median age1
33.6
14% below the median place
Bachelor's or higher1
17.3%
46% below the median place
Homes with broadband1
89.6%
3% below the median place

More about who lives here, against the typical place

High school or higher89.5% −3%
Household size2.4 −4%
Born abroad6.8% −23%
All 9 people measures
MeasureMoraineAmong 6,645 placesVs median
Population16,5365634th largest
Population change since 202073.1%168% above
Median age133.614% below
Bachelor's or higher117.3%46% below
High school or higher189.5%3% below
Household size12.44% below
Born abroad16.8%23% below
No health insurance1County figure6.5%2% above
Homes with broadband189.6%3% below
05

Life in Moraine

The nearest National Park Service site is Dayton Aviation Heritage National Historical Park, about 11 miles away.

Founded or incorporated in 1957. 164 sites are on the National Register of Historic Places, 7 of them National Historic Landmarks. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents22.9 2.3×
Playgrounds per 10k36.7 3.9×
Grocery stores per 10k4.6 2.2×
Restaurants, cafes and bars per 10k19.9 +78%
Libraries per 10k0.0 −100%
Named paths and bike trails2 km −25%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Dayton Aviation Heritage National Historical Park 11 miles
  • Charles Young Buffalo Soldiers National Monument 19 miles
  • William Howard Taft National Historic Site 42 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars20.0 −4%
Shops28.1 −7%
Arts, recreation and fitness3.0 −27%
Doctors' offices and clinics20.2 +0%
Child care centers2.9 +26%

Counts businesses with paid staff, so small owner-run shops are not included.

Public schools14
1
89% below the median place
Public school students14
453
91% below the median place
Nearest National Park Service site11
10.7
65% below the median place
All 18 schools and local life measures
MeasureMoraineAmong 6,645 placesVs median
Public schools14189% below
Public school students1445391% below
Students per teacher1416.25% above
Restaurants and bars per 10k9County figure20.04% below
Shops per 10k9County figure28.17% below
Arts, recreation and fitness per 10k9County figure3.027% below
Doctors' offices and clinics per 10k9County figure20.20% above
Child care centers per 10k9County figure2.926% above
Parks per 10k1022.9126% above
Playgrounds per 10k1036.7290% above
Grocery stores per 10k104.6117% above
Restaurants, cafes and bars per 10k1019.978% above
Libraries per 10k100.0below (median 0.9)
Named paths and bike trails101.525% below
Transit stops per sq mi100.0below (median 0.2)
Nearest National Park Service site1110.765% below
National Park Service sites within 60 miles11350% above
National Register listings12County figure164above (median 13)
06

Safety, weather and risk

The city police department reported 662 violent offenses per 100,000 residents, more than in 93% of the 1,367 places under 10,000 people we track.

Violent crime per 100k
662
245% above the median place
Property crime per 100k
4,831
298% above the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Tornado risk16
92.6
14% above the median place
January average low15
21°F
16% below the median place
Wildfire risk16
44.1
28% below the median place
All 11 weather and risk measures
MeasureMoraineAmong 6,645 placesVs median
July average high15County figure85°F2% below
January average low15County figure21°F16% below
Average temperature15County figure53°F4% below
Annual precipitation15County figure41.6 in5% below
Natural hazard risk16County figure92.70% above
Hurricane risk16County figure49.230% below
Tornado risk16County figure92.614% above
Wildfire risk16County figure44.128% below
Heat wave risk16County figure88.72% below
Median air quality index17County figure467% above
Good air days17County figure60.3%12% below
08

Moraine in 2030: where the trends point

If recent trends hold, the median rent will take about 26% of the median income in 2030, up from 25% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Moraine does better than 39% of places. Its projected home value growth beats 75%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,035/mo (2024)$1,330/mo$1,090 to $1,630/mo+4.3%
Median household income$48,788 (2024)$60,500$51,500 to $72,000+3.7%
Median home value$156,800 (2024)$229,000$166,000 to $316,000+6.5%
Population6,627 (2025)6,7706,500 to 7,060+0.4%

The median home would be worth 3.8 years of the median income in 2030, against 3.2 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Moraine

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Valley, AL$1,016$51,661Compare
Uvalde, TX$994$51,141Compare
York, PA$1,014$48,420Compare
Allegan, MI$1,115$52,925Compare
Allegan, MIYork, PAUvalde, TXValley, ALMoraine, OHMoraineValleyUvaldeYorkAlleganMoraineValleyUvaldeYorkAllegan

Places built like Moraine

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Moraine performs against places like it.

PlaceRent to incomeIncome growthPop. change
Moraine, OH25.5%1.3%/yr3.1%
Marengo, IL19.2%2.9%/yr2.3%Compare
Springfield, MI23.1%2.6%/yr-0.7%Compare
Scottsburg, IN25.8%-1.7%/yr1.7%Compare
Nappanee, IN14.9%4.6%/yr-0.9%Compare
North Fond du Lac, WI21.5%2.1%/yr1.4%Compare
Greenville, IL15.1%5.0%/yr3.1%Compare

Common questions

Is Moraine a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 10 out of 100, better than 10% of the places we rate and 282nd of 290 in Ohio. Compared with the 25 places most like it in size, age, education, housing and region (such as Marengo, IL, Springfield, MI and Scottsburg, IN), home value growth here is higher: 11.1% a year against a typical 8.3% a year. Compared with the 25 places most like it in size, age, education, housing and region (such as Marengo, IL, Springfield, MI and Scottsburg, IN), household income growth here is lower: 1.3% a year against a typical 4.6% a year. On cost, space and class size it scores 16 out of 100 for families. See how it ranks with your own weights.

Is Moraine expensive to live in?

The median rent takes 25.5% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $156,800.

What salary do you need to live in Moraine?

To rent the median home without spending more than 30% of income on rent, a household needs about $41,400 a year. Work it out from your current city.

Is Moraine safe?

There were 662 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to Moraine?

On income, rent, home value, education and age, the closest matches are Valley, AL, Uvalde, TX, York, PA and Allegan, MI.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. Population Estimates · US Census Bureau · Vintage 2025
  8. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  9. County Business Patterns · US Census Bureau · 2023 data
  10. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  11. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  12. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  13. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  14. Common Core of Data · National Center for Education Statistics · 2024 release
  15. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  16. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  17. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Moraine with places of a similar size, using only figures measured for Moraine itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/moraine-ohio

Citytistics. “Moraine, Ohio.” Data as of 2026-11-14. https://www.citytistics.com/city/moraine-ohio/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.