Salary & Cost of Living in Kettering, OH
Kettering, OH: $47,697 median salary, cost of living index 84.8, $10.45/hr minimum wage. Calculate your take-home pay with our free paycheck calculator.
Median Salary
$47,697
$23/hr
Cost of Living
84.8
US avg = 100
Minimum Wage
$10.45
per hour
Unemployment
4.5%
rate
Kettering, OH Overview
Population
57,862
Median Salary
$47,697
Average Salary
$53,421
Avg Commute
17 min
Median Home Price
$190,000
Median Rent
$789/mo
Job Growth
+1.7%
Sales Tax
5.75%
Kettering is located in Ohio with a population of 57,862. The median household salary is $47,697 per year ($23/hour), which is $11,687 below the national median of $59,384. The average commute time is 17 minutes, and the city has a job growth rate of +1.7%.
Kettering Salary by Experience Level (2026)
Wage distribution in Kettering, OH based on BLS percentile breakdown of the $47,697 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $29,572 | $14.22/hr | 0–2 years |
| Mid-Level (Median) | $47,697 | $22.93/hr | 3–7 years |
| Senior-Level | $67,730 | $32.56/hr | 8–15 years |
| Top 10% (90th Percentile) | $84,901 | $40.82/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
Kettering Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Kettering, OH, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$37,764
$3,146.96/month · $1,452.44/biweekly · Effective Rate: 20.8%
Gross Pay
$47,697
Federal Tax
-$3,685
State Tax
-$1,669
Local Tax
-$930
FICA
-$3,649
Net Pay
$37,764
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $3,974.75 | $47,697.00 |
| Federal Income Tax | -$307.09 | -$3,685.14 |
| Ohio State Tax (3.5%) | -$139.12 | -$1,669.40 |
| Local Tax (1.95%) | -$77.51 | -$930.09 |
| Social Security (6.2%) | -$246.43 | -$2,957.21 |
| Medicare (1.45%) | -$57.63 | -$691.61 |
| Net Take-Home Pay | $3,146.96 | $37,763.55 |
Salary Comparison: Kettering vs Other Cities
See how Kettering's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Kettering, OH | $47,697 | 84.8 | $56,246 |
| National Average | $59,384 | 100 | $59,384 |
| Garner, NC | $47,656 | 92.6 | $51,464 |
| Cornelius, NC | $47,740 | 87.1 | $54,811 |
| Mundelein, IL | $47,652 | 86 | $55,409 |
| Deer Park, TX | $47,743 | 85.5 | $55,840 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Kettering
Kettering's cost of living index is 84.8 (national average = 100). Living in Kettering is 15.200000000000003% less expensive than the national average.
Median Home Price
$190,000
Median Monthly Rent
$789
Annual Rent Cost
$9,468
Your Salary's Purchasing Power
Your $37,764 annual take-home pay in Kettering has the purchasing power of approximately $44,532 in an average-cost US area. Your $47,697 salary stretches further here than in most US cities.
Top Industries in Kettering
Kettering's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $47,697.
Salary Tips for Kettering Workers
- Your salary goes further here. Kettering has a cost of living 15.200000000000003% below the national average. A salary of $47,697 here has the purchasing power of about $56,246 in an average-cost area.
- Research top industries. Kettering's top industries include Manufacturing, Healthcare, Finance. Targeting roles in these sectors can help you earn above the $47,697 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
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Frequently Asked Questions
What is the median salary in Kettering, OH?
The median salary in Kettering, OH is $47,697 per year, or $23 per hour. The average salary is $53,421. This is $11,687 below the national median of $59,384.
What is the cost of living in Kettering, OH?
Kettering's cost of living index is 84.8 (national average = 100), meaning it is 15.200000000000003% less expensive compared to the national average. The median home price is $190,000 and the median monthly rent is $789.
What are the best industries in Kettering?
The top industries in Kettering, OH include Manufacturing, Healthcare, Finance. The city has a job growth rate of 1.7% and an unemployment rate of 4.5%. Workers in these industries often earn above the city's median salary of $47,697.
How does Kettering's salary compare to other cities?
Kettering's median salary of $47,697 is 19.7% below the national median of $59,384. However, when adjusted for cost of living (index: 84.8), the real purchasing power is approximately $56,246.
What is the minimum wage in Kettering, OH?
The minimum wage in Kettering, OH is $10.45 per hour. This equals approximately $21,736 per year for a full-time worker (40 hours/week). This is $3.20 above the federal minimum wage of $7.25/hour.