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Cambridge, OH

Cost of living in Guernsey County, OH

Estimated monthly cost
$2,489/mo
for a single person, all categories combined

Population 38,283 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $674 27%
Healthcare $480 19%
Federal tax $428 17%
Groceries $320 13%
Transport $320 13%
Energy $194 8%
Water $50 2%
State tax $23 1%

Rent in Guernsey County

Fair Market Rents by bedroom count.

Studio
$664
per month
1 bedroom
$674
per month
2 bedroom
$884
per month
3 bedroom
$1,137
per month
4 bedroom
$1,370
per month

Source: HUD FMR FY2025

Income and earnings in Guernsey County

Annual earnings figures from the Census ACS.

Household income
$55,756
per year
Individual earnings
$36,236
per year
Per capita
$32,089
per year

Source: ACS 2019-2023 5-Year.

Home values in Guernsey County

Average values reported by homeowners.

Average home value
$154,100
Annual property tax
$1,561

Source: ACS 2019-2023 5-Year

Energy costs in Guernsey County

Estimated monthly electricity and gas costs.

Electricity
$131
per month · 15.4¢/kWh
Natural gas
$63
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in Guernsey County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.0%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Guernsey County

State and local tax rates for Ohio.

State income tax
3.5%
Top marginal rate
State sales tax
5.8%
Combined sales tax
7.2%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Guernsey County

Commute patterns and estimated costs.

Average commute
23.1 min
Drive alone
84.0%
Public transit
0.1%
Work from home
3.8%

Source: ACS

Monthly cost estimates for Guernsey County

What it costs to live in Guernsey County each month.

Single person
$2,489
per month
  • Rent $674
  • Energy $194
  • Water $50
  • Groceries $320
  • Transport $320
  • Healthcare $480
  • Federal tax $428
  • State tax $23
Couple
$3,641
per month
  • Rent $884
  • Energy $233
  • Water $60
  • Groceries $530
  • Transport $420
  • Healthcare $864
  • Federal tax $582
  • State tax $68
Family
$6,023
per month
  • Rent $1,137
  • Energy $291
  • Water $70
  • Groceries $805
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $582
  • State tax $68

Frequently asked questions about Guernsey County

Common questions about cost of living, rent and salary.

What is the average rent in Guernsey County?

In Guernsey County, OH, a one-bedroom apartment averages $674 per month, a two-bedroom averages $884 per month, a three-bedroom averages $1,137 per month, according to HUD Fair Market Rent data.

What is the average salary in Guernsey County?

In Guernsey County, OH, the average household income is $55,756 per year and individual earnings for full-time workers average $36,236 per year, according to U.S. Census Bureau data.

What is the cost of living in Guernsey County?

The estimated cost of living in Guernsey County, OH is approximately $2,489 per month for a single person, $3,641 for a couple, $6,023 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Guernsey County?

The combined sales tax rate in Guernsey County, OH is 7.24%, which includes the Ohio state rate of 5.75% plus an average local rate of 1.49%.

Is Guernsey County an affordable place to live?

Based on the data, a single person in Guernsey County, OH would need approximately $2,489 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $55,756 per year ($4,646 per month). Guernsey County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Guernsey County?

The ACA marketplace benchmark premium in Guernsey County, OH is approximately $480 per month for an individual. Approximately 10.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Guernsey County?

The average home value in Guernsey County, OH is $154,100, with average annual property taxes of $1,561, according to U.S. Census Bureau data.

How does Guernsey County compare to other areas?

You can compare Guernsey County, OH with any other US county using our comparison tool at /compare. Guernsey County is in the Cambridge, OH metro area.

Other counties in Ohio

Browse the full list of counties in Ohio, ranked by cost of living.

See all counties in Ohio

Compare Guernsey County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources