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Cost of living, pay and housing

39.17° N · 84.49° W · GEOID 3969470

St. Bernard

Hamilton County, Ohio · part of the Cincinnati, OH metro

Limited data population under 5,000

OhioSt. Bernard, OHSt. BernardSt. Bernard

The short answer

St. Bernard is home to 3,983 people. Median household income is $67,083 a year and median rent is $923 a month, 16.5% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $162,700, about 2.4x annual median household income.

Median gross rent
$923
32% below the median place
Median household income
$67,083
16% below the median place
Median home value
$162,700
49% below the median place
Unemployment
5.0%
3% 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 St. Bernard

  • Household income has grown 0.9% a year across the last five survey releases, slower than in 91% of the 2,480 places under 10,000 people we track.
  • Half the homes were built before 1955, older housing than in 88% of places its size.
  • The median home is worth 2.4 years of the median household's income, fewer than in 86% of places its size.
  • Only 37% of renter households spend 30% or more of income on rent, a lower share than in 83% of places its size.
  • Only 7% of workers mostly work from home, fewer than in 82% of places its size.

Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 96 out of 100. Budget for insurance before counting the savings.

01

Moving to St. Bernard

Hamilton County loses about 7.2 residents per 1,000 a year to moves between counties.

Moved in27,769
Moved out32,512
Net−4,743

Where people come from and where they go, top counties

Butler County, OH4,5355,632−1,097
Clermont County, OH2,4983,769−1,271
Warren County, OH1,9152,554−639
Kenton County, KY1,3611,554−193
Boone County, KY530804−274

Within Ohio, other states or abroad

Arrivals
Leavers
Within OhioOther statesAbroad

Income per tax return

Arrivals$66K
Leavers$78K

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

Who moves here
5.2% of residents arrived from another county in the past year, 2.3% from another state. County figure.
Who arrives and who leaves
Households moving into Hamilton County report $66,000 a year in income on average; those leaving, $77,900, so leavers earn more than newcomers.
Income you would need
$36,900 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $923 a month; owners with a mortgage pay $1,456 a month including taxes and insurance, on a median home of $162,700.
Getting to work
20 minutes each way on average; 6.8% work from home; 2.5% take transit.
If it is close but not quite
Cross Lanes, WV matches it on character. Compare the two
Net movers per 1,000 people8
-7.2
below the median place (median -0.6)
Income of households moving out8
$77,881
11% above the median place
Moved from another state1
2.3%
18% above the median place
All 5 moving measures
MeasureSt. BernardAmong 6,645 placesVs median
Moved here in the past year1County figure5.2%9% below
Moved from another state1County figure2.3%18% above
Net movers per 1,000 people8County figure-7.2below (median -0.6)
Income of households moving in8County figure$65,9717% below
Income of households moving out8County figure$77,88111% above
02

What it costs to live here

Home price to income is 2.4x, 36% below the median place.

St. Bernard16.5%
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
$36,920
a year, at the 30% line
Rent to income
16.5%
19% below the median place
Home price to income
2.4x
36% below the median place

Could you afford it?

The median rent would take
17%
comfortably under the 30% line
Left after rent, in US prices
$57,700
a year
Vs the typical household here
Same
as the median household

Uses the median rent in St. Bernard, $923 a month, and local prices for everything else (97.0 against a US average of 100). It runs in your browser and stores nothing.

Like St. Bernard, but easier on the budget

Close matches on income, rent, home value, education and age, where rent takes a clearly smaller share of income.

PlaceRent to incomeMore left a year
Washington, MO12.5% vs 16.5%$12,600Compare
Carroll, IA12.4% vs 16.5%n/aCompare
Cortland, OH12.1% vs 16.5%$8,900Compare

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

Sponsored · exampleMoving to St. Bernard? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median year built1
1955
1% below the median place
Renters paying 30%+1
36.9%
27% below the median place
Vacant homes1
14.8%
109% above the median place
All 16 cost and housing measures
MeasureSt. BernardAmong 6,645 placesVs median
Median gross rent1$92332% below
Rent to income116.5%19% below
Property tax rate11.7%90% above
Home price to income12.4x36% below
Prices vs US average2Metro figure95.45% below
Fair market rent, 2 bedrooms3County figure$1,44211% below
HUD area median income4County figure$109,9002% above
Property tax paid (median)1$2,81714% below
Median home value1$162,70049% below
Home prices, 1-year change5County figure4.0%24% above
Home prices, 5-year change5County figure54.4%6% above
Homeownership163.9%4% below
Renters paying 30%+136.9%27% below
Owner costs with a mortgage1$1,45622% below
Vacant homes114.8%109% above
Median year built119551% below
03

Work and pay

Works from home is 6.8%, 45% below the median place.

Works from home1
6.8%
45% below the median place
Mean commute1
20 min
19% below the median place
Poverty rate1
7.9%
27% below the median place
All 10 work and pay measures
MeasureSt. BernardAmong 6,645 placesVs median
Median household income1$67,08316% below
Income per person1$41,4954% above
Unemployment1County figure5.0%3% above
Average annual pay6County figure$78,93120% above
Pay growth, 1 year6County figure2.6%30% below
Jobs6County figure514,266241% above
Poverty rate17.9%27% below
Mean commute120 min19% below
Works from home16.8%45% below
Commutes by transit1County figure2.5%191% above
04

Who lives here

Median age is 44.6, 14% above the median place.

Median age1
44.6
14% above the median place
Household size1
2.2
11% below the median place
Population change since 20207
-1.3%
below the median place (median 1.1%)

More about who lives here, against the typical place

High school or higher93.0% +1%
Bachelor's or higher32.7% +2%
Homes with broadband92.2% −0%
All 9 people measures
MeasureSt. BernardAmong 6,645 placesVs median
Population13,9836646th largest
Population change since 20207-1.3%below (median 1.1%)
Median age144.614% above
Bachelor's or higher132.7%2% above
High school or higher193.0%1% above
Household size12.211% below
Born abroad1County figure6.3%29% below
No health insurance1County figure5.8%9% below
Homes with broadband192.2%0% below
05

Life in St. Bernard

410 sites are on the National Register of Historic Places, 17 of them National Historic Landmarks.

Out the door, against the typical place

Parks per 10k residents45.2 4.4×
Playgrounds per 10k60.3 6.4×
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k15.1 +35%
Libraries per 10k5.0 5.8×
Named paths and bike trails0 km −100%
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.

Businesses per 10,000 residents (county figures)

Restaurants and bars24.5 +18%
Shops30.3 +0%
Arts, recreation and fitness4.4 +7%
Doctors' offices and clinics19.4 −4%
Child care centers3.7 +61%

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

Public schools13
202
above the median place (median 9)
Public school students13
109,365
above the median place (median 4,897)
Child care centers per 10k9
3.7
61% above the median place
All 16 schools and local life measures
MeasureSt. BernardAmong 6,645 placesVs median
Public schools13County figure202above (median 9)
Public school students13County figure109,365above (median 4,897)
Students per teacher13County figure17.312% above
Restaurants and bars per 10k9County figure24.518% above
Shops per 10k9County figure30.30% above
Arts, recreation and fitness per 10k9County figure4.47% above
Doctors' offices and clinics per 10k9County figure19.44% below
Child care centers per 10k9County figure3.761% above
Parks per 10k1045.2344% above
Playgrounds per 10k1060.3above (median 9.4)
Grocery stores per 10k100.0below (median 2.1)
Restaurants, cafes and bars per 10k1015.135% above
Libraries per 10k105.0above (median 0.9)
Named paths and bike trails100.0below (median 2.0)
Transit stops per sq mi100.0below (median 0.2)
National Register listings11County figure410above (median 13)
06

Safety, weather and risk

Violent crime per 100k is 429, 124% above the median place.

Violent crime per 100k
429
124% above the median place
Property crime per 100k
1,337
10% 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 risk15
99.4
22% above the median place
Heat wave risk15
98.9
10% above the median place
Good air days16
34.2%
50% below the median place
All 11 weather and risk measures
MeasureSt. BernardAmong 6,645 placesVs median
July average high14County figure86°F1% below
January average low14County figure23°F9% below
Average temperature14County figure54°F1% below
Annual precipitation14County figure44.4 in1% above
Natural hazard risk15County figure96.34% above
Hurricane risk15County figure38.246% below
Tornado risk15County figure99.422% above
Wildfire risk15County figure47.323% below
Heat wave risk15County figure98.910% above
Median air quality index16County figure5426% above
Good air days16County figure34.2%50% below
08

St. Bernard in 2030: where the trends point

If recent trends hold, the median rent will take about 17% of the median income in 2030, about the same as 17% 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.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$923/mo (2024)$1,170/mo$960 to $1,420/mo+4.0%
Median household income$67,083 (2024)$83,500$71,000 to $99,000+3.8%
Median home value$162,700 (2024)$233,000$169,000 to $321,000+6.2%
Population3,983 (2025)3,9903,830 to 4,160+0.0%

The median home would be worth 2.8 years of the median income in 2030, against 2.4 now.

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

09

Places like St. Bernard

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

PlaceRentIncome
Cross Lanes, WV$949$63,537Compare
Coraopolis, PA$902$63,828Compare
Geneseo, IL$1,015$70,147Compare
Grand Ledge, MI$982$68,980Compare
Grand Ledge, MIGeneseo, ILCoraopolis, PACross Lanes, WVSt. Bernard, OHSt. BernardCross LanesCoraopolisGeneseoGrand LedgeSt. BernardCross LanesCoraopolisGeneseoGrand Ledge

Common questions

Is St. Bernard a good place to live?

It depends on what you need, so here is what the numbers say. Household income has grown 0.9% a year across the last five survey releases, slower than in 91% of the 2,480 places under 10,000 people we track. Half the homes were built before 1955, older housing than in 88% of places its size. On cost, space and class size it scores 73 out of 100 for families. See how it ranks with your own weights.

Is St. Bernard expensive to live in?

The median rent takes 16.5% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $162,700.

What salary do you need to live in St. Bernard?

To rent the median home without spending more than 30% of income on rent, a household needs about $36,920 a year. Work it out from your current city.

Is St. Bernard safe?

There were 429 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to St. Bernard?

On income, rent, home value, education and age, the closest matches are Cross Lanes, WV, Coraopolis, PA, Geneseo, IL and Grand Ledge, 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 Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 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
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. 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 St. Bernard with places of a similar size, using only figures measured for St. Bernard itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/saint-bernard-ohio

Citytistics. “St. Bernard, Ohio.” Data as of 2026-11-14. https://www.citytistics.com/city/saint-bernard-ohio/

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