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Cost of Living in Adams County

Is it better to rent or buy in Adams County? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

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Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$69,008
$877/mo

Median in area: $877

$199,579

Median in area: $199,579

$39,916

If you Rent

🔑
$1,109 /mo
Base Rent$877
Est. Utilities$232
% of Income19.3%
Pre-tax Residual$4,642

If you Buy

🏠
$1,518 /mo
P&I (7.208%)$1,085
Taxes & Ins$201
Est. Utilities$232
% of Income26.4%
Pre-tax Residual$4,233

Compare Nearby Areas

See how Adams County stacks up against neighboring areas.

countyMercer County, OH
$810/mo
countyVan Wert County, OH
$780/mo
countyJay County, IN
$789/mo
countyAllen County, IN
$1,147/mo
countyWells County, IN
$798/mo

Cost of Living FAQs

Is it cheaper to rent or buy in Adams County?›

Based on median housing data, renting is currently more affordable on a monthly basis in Adams County. The estimated all-in monthly cost for renting is $1,109, while owning a median-priced home with a 20% down payment is roughly $1,518 per month (a difference of $409).

How much do utilities cost in Adams County?›

The average monthly utility cost (electricity and natural gas) for a typical home in Adams County is approximately $232. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in Adams County?›

To comfortably afford the median rent and utilities in Adams County without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $44,360 per year.