SDF is a nice place to live (not downtown though) good schools (xavier!!!), horse racing, nice and easy airport to travel out of. Also you are close to Kentucky lake and not to far from lake cumberland , both awesome for boating and such. You can also look over in Indiana (just across the river) and find nice places to live at good prices, the state income taxes are lower in Indiana also. As far as Cincinnati, I personally wouldn't live in southern Ohio but Northern Kentucky is nice and has lower housing costs, so more house for your buck. The drive is about an hour and 15 or 30 from northern kentucky, it's straight down Interstate 71, and there is rarley much traffic between n. KY and SDF on 71, so the commute isn't that bad.