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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $783/month more in Toledo, OH

$150.0K in your current city equals $159.4K in Toledo, OH

Rent data from HUD ZIP-level estimates · COL index from Cleveland-Elyria, OH area
Overall Cost
10.4%
More expensive
Monthly Impact
$783
Extra cost
Annual Impact
$9.4K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Cleveland, OH

Population:384K
Cost Index:
100
100 = national average
Median Home:$128K

Toledo, OH

Population:265K
Cost Index:
110
(10% above avg)
Median Home:$130K

Cleveland, OH

The Buckeye State

384K
Population
State Tax
Yes

Located in Ohio, this city has a population of 384K residents.

Toledo, OH

The Buckeye State

265K
Population
State Tax
Yes

Located in Ohio, this city has a population of 265K residents.

Cost Breakdown by Category

Annual spending: Cleveland, OH vs Toledo, OH

Transportation
18.4%
Cleveland, OH
$1,366
Toledo, OH
$1,617
Difference
$251
more
Other
10.7%
Cleveland, OH
$1,557
Toledo, OH
$1,723
Difference
$166
more
All Utilities
21.7%
Cleveland, OH
$464
Toledo, OH
$565
Difference
$101
more
Housing
3.5%
Cleveland, OH
$1,663
Toledo, OH
$1,605
Difference
$58.50
less
Healthcare
8.6%
Cleveland, OH
$527
Toledo, OH
$572
Difference
$45.33
more
Groceries
0.6%
Cleveland, OH
$969
Toledo, OH
$963
Difference
$6.25
less

🏛️ Local Income Taxes

Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)
Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)
Net difference$0/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$860
To$772
$88.00
1 Bed
From$980
To$818
$162
2 Bed
From$1,180
To$1,075
$105
3 Bed
From$1,520
To$1,379
$141
Cleveland, OHZIP-level data

1BR range: $810$1,590/mo

Toledo, OHZIP-level data

1BR range: $740$930/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,546
Monthly in Cleveland, OH
$7,045
Monthly in Toledo, OH
$498
Difference

Home Values

Cleveland
Toledo
$128K
Median Value
$130K
↓ -2.1%
YoY Change
↑ +5.6%
↑ +21.7%
5-Year Change
↑ +41%
$59K - $291K
Price Range
$47K - $314K

Homes in Toledo are 1% more expensive than Cleveland

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Cleveland, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Toledo, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Additional Tax Information

Cleveland, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Toledo, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Cleveland
Toledo
54 Moderate
Air Quality
55 Moderate
37.2%
Good Air Days
32.8%
98 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
+3.3°F
2050 Outlook
+3.1°F
11 days
Heat Days >95°F
10 days
+3.3°F
2050 Outlook
+3.1°F
11 days
Heat Days >95°F
10 days

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