CitytisticsShortlist

Cost of living, pay and housing

39.21° N · 84.61° W · GEOID 3984812

White Oak

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

OhioWhite Oak, OHWhite OakWhite Oak

The short answer

White Oak is home to 19,216 people. Median household income is $70,341 a year and median rent is $1,091 a month, 18.6% 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 $203,700, about 2.9x annual median household income.

The story in White Oak is how fast things are changing. Housing became less affordable between 2019 and 2024: rent went from 14.9% to 18.6% of income. Also notable: Household income growth is 1.4% a year, against 4.5% a year in its closest peers.

59OF 100

CTXCitytistics Index

Above average

White Oak scores better than 59% of the 6,612 places we rate, and ranks 189th of 290 in Ohio.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%72
Economy 20%54
Safety 20%n/a
Amenities 15%23
Education 10%54
Commute 10%55
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$1,091
20% below the median place
Median household income
$70,341
12% below the median place
Median home value
$203,700
36% below the median place
Unemployment
4.0%
19% below 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 White Oak

  • Life nearbyOpenStreetMap shows 0 libraries per 10,000 residents, fewer than in 86% of the 2,301 places of 10,000 to 25,000 people we track. It is the lowest of 290 Ohio places we track.
  • HousingHomeowners pay a median of about 1.5% of home value a year in property tax, more than in 75% of the 2,101 places of 10,000 to 25,000 people we track.
01

Moving to White Oak

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
5.3% of residents arrived from another county in the past year, 2.3% from another state.
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
$43,600 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,091 a month; owners with a mortgage pay $1,403 a month including taxes and insurance, on a median home of $203,700.
Getting to work
24 minutes each way on average; 16.4% work from home; 2.5% take transit.
If it is close but not quite
Erlanger, KY matches it on character for less of your income. Compare the two
Moved here in the past year1
5.3%
7% below the median place
Net movers per 1,000 people7
-7.2
below the median place (median -0.6)
Income of households moving out7
$77,881
11% above the median place
All 5 moving measures
MeasureWhite OakAmong 6,645 placesVs median
Moved here in the past year15.3%7% below
Moved from another state1County figure2.3%18% above
Net movers per 1,000 people7County figure-7.2below (median -0.6)
Income of households moving in7County figure$65,9717% below
Income of households moving out7County figure$77,88111% above
02

What it costs to live here

The median home costs 2.9 years of the median household's income, fewer than in 79% of the 2,301 places of 10,000 to 25,000 people we track.

White Oak18.6%
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
$43,640
a year, at the 30% line
Rent to income
18.6%
9% below the median place
Home price to income
2.9x
24% below the median place

Could you afford it?

The median rent would take
19%
comfortably under the 30% line
Left after rent, in US prices
$58,700
a year
Vs the typical household here
Same
as the median household

Uses the median rent in White Oak, $1,091 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 White Oak, but easier on the budget

Places that match White Oak 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
Erlanger, KY9815.3% vs 18.6%$7,200Compare
Perkasie, PA9615.4% vs 18.6%$20,100Compare
Blair, NE9513.8% vs 18.6%$16,400Compare
Englewood, OH9514.3% vs 18.6%$11,800Compare

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

Sponsored · exampleMoving to White Oak? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Vacant homes1
2.9%
59% below the median place
Owner costs with a mortgage1
$1,403
25% below the median place
Property tax rate1
1.5%
64% above the median place
All 16 cost and housing measures
MeasureWhite OakAmong 6,645 placesVs median
Median gross rent1$1,09120% below
Rent to income118.6%9% below
Property tax rate11.5%64% above
Home price to income12.9x24% 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$3,0387% below
Median home value1$203,70036% below
Home prices, 1-year change5County figure4.0%24% above
Home prices, 5-year change5County figure54.4%6% above
Homeownership170.9%7% above
Renters paying 30%+153.1%5% above
Owner costs with a mortgage1$1,40325% below
Vacant homes12.9%59% below
Median year built119681% below
03

Work and pay

Unemployment is 4.0%, 19% below the median place.

Unemployment1
4.0%
19% below the median place
Works from home1
16.4%
31% above the median place
Poverty rate1
8.2%
24% below the median place

More on work and pay, against the typical place

Median household income$70,341 −12%
Mean commute24 min −3%
Income per person$40,422 +1%
All 10 work and pay measures
MeasureWhite OakAmong 6,645 placesVs median
Median household income1$70,34112% below
Income per person1$40,4221% above
Unemployment14.0%19% below
Average annual pay6County figure$78,93120% above
Pay growth, 1 year6County figure2.6%30% below
Jobs6County figure514,266241% above
Poverty rate18.2%24% below
Mean commute124 min3% below
Works from home116.4%31% above
Commutes by transit1County figure2.5%191% above
04

Who lives here

No health insurance is 3.2%, 50% below the median place.

No health insurance1
3.2%
50% below the median place
Homes with broadband1
94.2%
2% above the median place
Born abroad1
5.8%
34% below the median place

More about who lives here, against the typical place

Median age37.7 −3%
Household size2.4 −3%
High school or higher91.3% −1%
Bachelor's or higher34.4% +7%
All 8 people measures
MeasureWhite OakAmong 6,645 placesVs median
Population119,2162401st largest
Median age137.73% below
Bachelor's or higher134.4%7% above
High school or higher191.3%1% below
Household size12.43% below
Born abroad15.8%34% below
No health insurance13.2%50% below
Homes with broadband194.2%2% above
05

Life in White Oak

About 0 km of named paths and bike trails are mapped in and around the city, fewer than in 84% of the 2,301 places of 10,000 to 25,000 people we track. It is the lowest of 290 Ohio places we track.

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

Out the door, against the typical place

Parks per 10k residents4.2 −59%
Playgrounds per 10k8.3 −11%
Grocery stores per 10k0.5 −75%
Restaurants, cafes and bars per 10k6.2 −44%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi2.6 12.3×

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

  • William Howard Taft National Historic Site 8 miles
  • Dayton Aviation Heritage National Historical Park 49 miles
  • Charles Young Buffalo Soldiers National Monument 51 miles

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.

Nearest National Park Service site10
8.2
73% below the median place
Public schools12
202
above the median place (median 9)
Public school students12
109,365
above the median place (median 4,897)
All 18 schools and local life measures
MeasureWhite OakAmong 6,645 placesVs median
Public schools12County figure202above (median 9)
Public school students12County figure109,365above (median 4,897)
Students per teacher12County figure17.312% above
Restaurants and bars per 10k8County figure24.518% above
Shops per 10k8County figure30.30% above
Arts, recreation and fitness per 10k8County figure4.47% above
Doctors' offices and clinics per 10k8County figure19.44% below
Child care centers per 10k8County figure3.761% above
Parks per 10k94.259% below
Playgrounds per 10k98.311% below
Grocery stores per 10k90.575% below
Restaurants, cafes and bars per 10k96.244% below
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi92.6above (median 0.2)
Nearest National Park Service site108.273% below
National Park Service sites within 60 miles10350% above
National Register listings11County figure410above (median 13)
06

Safety, weather and risk

Tornado risk is 99.4, 22% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached White Oak. Larger places are fetched first.

Tornado risk14
99.4
22% above the median place
Heat wave risk14
98.9
10% above the median place
Good air days15
34.2%
50% below the median place
All 11 weather and risk measures
MeasureWhite OakAmong 6,645 placesVs median
July average high13County figure86°F1% below
January average low13County figure23°F9% below
Average temperature13County figure54°F1% below
Annual precipitation13County figure44.4 in1% above
Natural hazard risk14County figure96.34% above
Hurricane risk14County figure38.246% below
Tornado risk14County figure99.422% above
Wildfire risk14County figure47.323% below
Heat wave risk14County figure98.910% above
Median air quality index15County figure5426% above
Good air days15County figure34.2%50% below
08

White Oak in 2030: where the trends point

If recent trends hold, the median rent will take about 19% of the median income in 2030, up from 19% 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, White Oak does better than 70% of places. Its projected home value growth beats 27%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,091/mo (2024)$1,400/mo$1,150 to $1,710/mo+4.3%
Median household income$70,341 (2024)$88,000$74,000 to $104,000+3.8%
Median home value$203,700 (2024)$288,000$209,000 to $396,000+5.9%

The median home would be worth 3.3 years of the median income in 2030, against 2.9 now.

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

09

Places like White Oak

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

PlaceRentIncome
Glens Falls, NY$1,077$67,788Compare
Louisville/Jefferson County, KY$1,120$66,849Compare
Troy, OH$1,003$68,830Compare
High Point, NC$1,116$64,561Compare
High Point, NCTroy, OHLouisville/Jefferson County, KYGlens Falls, NYWhite Oak, OHWhite OakGlens FallsLouisville/Jefferson CountyTroyHigh PointWhite OakGlens FallsLouisville/Jefferson CountyTroyHigh Point

Places built like White Oak

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 White Oak performs against places like it.

PlaceRent to incomeIncome growthPop. change
White Oak, OH18.6%1.4%/yrn/a
Berea, OH17.0%4.7%/yr-3.3%Compare
Troy, OH17.5%4.9%/yr3.8%Compare
South Milwaukee, WI16.6%6.9%/yr-2.9%Compare
Wadsworth, OH16.1%2.1%/yr2.9%Compare
Collinsville, IL18.4%4.8%/yr-2.8%Compare
Neenah, WI16.0%4.7%/yr1.1%Compare

Common questions

Is White Oak a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 59 out of 100, better than 59% of the places we rate and 189th of 290 in Ohio. OpenStreetMap shows 0 libraries per 10,000 residents, fewer than in 86% of the 2,301 places of 10,000 to 25,000 people we track. It is the lowest of 290 Ohio places we track. Homeowners pay a median of about 1.5% of home value a year in property tax, more than in 75% of the 2,101 places of 10,000 to 25,000 people we track. On cost, space and class size it scores 76 out of 100 for families. See how it ranks with your own weights.

Is White Oak expensive to live in?

The median rent takes 18.6% 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 $203,700.

What salary do you need to live in White Oak?

To rent the median home without spending more than 30% of income on rent, a household needs about $43,640 a year. Work it out from your current city.

What places are similar to White Oak?

On income, rent, home value, education and age, the closest matches are Glens Falls, NY, Louisville/Jefferson County, KY, Troy, OH and High Point, NC.

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. 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.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 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
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. 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 White Oak with places of a similar size, using only figures measured for White Oak itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/white-oak-ohio

Citytistics. “White Oak, Ohio.” Data as of 2026-11-14. https://www.citytistics.com/city/white-oak-ohio/

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