C+

Xenia, OH

Source:

Affordability Score: 63/100

Population: 37,247 · 1 ZIP codes

The affordability dashboard for Xenia, OH aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 37,247 residents, then layers in county-level federal data to produce an overall grade of C+ (63/100). The headline inputs are median household income of $76,564, median home value of $218,400, median rent of $944 per month, and 32.3% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,273 per month (studio $928, 1BR $1,009, 3BR $1,651, 4BR $1,817). Department of Labor data lists infant center-based childcare at $15,340 per year, consuming 20% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Xenia, OH include rent. Pressure points are childcare. Unemployment currently reads 4.7% and poverty 12.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$76,564
Median household income
Education C-
32.3%
Bachelor's degree or higher
Housing B
2.9x
Home value $218,400 vs income
Commute C
24 min
Average commute time
Rent B+
$1,273/mo
2BR fair market rent (20% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$15,340/yr
Center-based infant care (20% of income)

Income & Employment

Median Income
$76,564
▲ 23% vs national
Per Capita Income
$40,695
Unemployment Rate
4.7%
Poverty Rate
12.3%

Housing

Median Home Value
$218,400
▼ 21% vs national
Median Rent
$944/mo
Owner Occupied
72.3%
2BR Fair Market Rent
$1,273/mo
▲ 6% vs national

Fair Market Rents by Bedroom

Studio
$928
1BR
$1,009
2BR
$1,273
3BR
$1,651
4BR
$1,817

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
32.3%
▲ 2 ppt vs national
High School+
62.4%
Median Age
41.9
Avg. Commute
24 min
▼ 2 min vs national

Childcare Costs

Infant (Center)
$15,340/yr
20% of income
Toddler (Center)
$13,780/yr
Preschool (Center)
$12,064/yr
School-Age (Center)
$7,800/yr

What This Means

Xenia, OH receives an overall affordability grade of C+ (63/100), aggregated from 1 ZIP codes with a total population of 37,247. This area performs well in rent. Challenges include childcare. Data was unavailable for safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Xenia, OH affordable?
Xenia, OH receives an overall affordability grade of C+ (63/100) based on Census, HUD, FBI, and DOL data. Median household income is $76,564. Median home value is $218,400.
What is the cost of living in Xenia?
Key cost metrics: Median rent $944/mo. 2BR fair market rent $1,273/mo. Infant childcare $15,340/yr. Median home value $218,400.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →