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How much can reefer owner-operators earn in Ohio (OH)? Estimated rates, gross and net monthly income, cost of living impact, fuel costs, and top lanes in the Midwest region.
Rate Per Mile
$2.96
+5.7% vs national
Est. Gross Monthly
$26,640
+11.9% vs national
Est. Net Monthly
$16,750
After COL-adjusted expenses
| Metric | Ohio | National Avg | Diff |
|---|---|---|---|
| Rate/Mile | $2.96 | $2.80 | +5.7% |
| Gross Monthly | $26,640 | $23,800 | +11.9% |
| Est. Net Monthly | $16,750 | $15,470 | +8.3% |
| Cost of Living | 95 (Average) | 100 (Baseline) | -5% |
| Fuel Tax | 28.0c/gal | ~32c/gal | Below avg |
Ohio's below-average cost of living (index 95) is a genuine advantage for reefer owner-operators. Your $2.96/mile rate stretches further here — fuel, food, housing, and operating costs are all lower than the national baseline. This makes OH one of the better states for net take-home pay.
| Category | Est. Monthly | % of Gross |
|---|---|---|
| Fuel | $4,555 | 17.1% |
| Insurance | $1,066 | 4.0% |
| Truck Payment / Lease | $1,800 | 6.8% |
| Maintenance & Repairs | $1,066 | 4.0% |
| Tires | $300 | 1.1% |
| Permits & Licenses | $143 | 0.5% |
| Food & Living | $760 | 2.9% |
| Phone / Software | $200 | 0.8% |
| Total Expenses | $9,890 | 37.1% |
| Net Take-Home | $16,750 | 62.9% |
Expenses adjusted for Ohio's cost of living index (95). Actual costs vary by individual circumstances.
Ohio's fuel tax of 28.0 cents/gallon is below the national average (~32c), giving reefer carriers a fuel cost advantage. At 5-6 MPG, this saves approximately $60/month compared to higher-tax states. Combined with very high freight volume, OH offers solid margin potential.
| State | Rate/Mile | Gross/Mo | Fuel Tax |
|---|---|---|---|
| Ohio (OH) | $2.96 | $26,640 | 28.0c |
| Illinois (IL) | $3.11 | $27,990 | 46.7c |
| Indiana (IN) | $3.05 | $27,450 | 33.0c |
| Iowa (IA) | $2.80 | $25,200 | 30.0c |
| Kansas (KS) | $2.79 | $25,110 | 24.0c |
A good dispatch service can boost your per-mile rate by $0.15-$0.40 through better load negotiation, reduced deadhead, and detention pay recovery.