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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd spend $47.11/month more in Toledo, OH

$150.0K in your current city equals $150.6K in Toledo, OH

Rent data from HUD ZIP-level estimates · COL index from Des Moines-West Des Moines, IA area
Overall Cost
0.6%
More expensive
Monthly Impact
$47.11
Extra cost
Annual Impact
$565
Per year

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

Des Moines, IA

Population:214K
Cost Index:
100
100 = national average
Median Home:$228K

Toledo, OH

Population:265K
Cost Index:
101
(1% above avg)
Median Home:$130K

Des Moines, IA

The Hawkeye State

214K
Population
State Tax
Yes

Located in Iowa, this city has a population of 214K 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: Des Moines, IA vs Toledo, OH

Housing
22.8%
Des Moines, IA
$2,079
Toledo, OH
$1,605
Difference
$474
less
Transportation
30.1%
Des Moines, IA
$1,243
Toledo, OH
$1,617
Difference
$374
more
Other
7.2%
Des Moines, IA
$1,607
Toledo, OH
$1,723
Difference
$116
more
Healthcare
16.1%
Des Moines, IA
$682
Toledo, OH
$572
Difference
$110
less
All Utilities
20.3%
Des Moines, IA
$470
Toledo, OH
$565
Difference
$95.49
more
Groceries
5.9%
Des Moines, IA
$909
Toledo, OH
$963
Difference
$53.71
more

🏛️ Local Income Taxes

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

Des Moines, IA has no local income tax.

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

🏠Rent Comparison

Studio
From$1,020
To$772
$248
1 Bed
From$1,060
To$818
$242
2 Bed
From$1,260
To$1,075
$185
3 Bed
From$1,720
To$1,379
$341
Des Moines, IAZIP-level data

1BR range: $960$1,150/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.

$6,990
Monthly in Des Moines, IA
$7,045
Monthly in Toledo, OH
$54.74
Difference

Home Values

Des Moines
Toledo
$228K
Median Value
$130K
↑ +1.2%
YoY Change
↑ +5.6%
↑ +32.4%
5-Year Change
↑ +41%
$157K - $344K
Price Range
$47K - $314K

Homes in Toledo are 43% less expensive than Des Moines

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$6.3K
Per year
Monthly Difference
$523
More take-home
Effective Rate Diff
4.2%
Rate difference

Des Moines, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

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

Des Moines, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

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

Des Moines
Toledo
45 Good
Air Quality
55 Moderate
67.5%
Good Air Days
32.8%
92 Moderate
Climate Risk
99 High
🌡🌪
Top Hazards
🌊🌡🌪
+3.4°F
2050 Outlook
+3.1°F
25 days
Heat Days >95°F
10 days
+3.4°F
2050 Outlook
+3.1°F
25 days
Heat Days >95°F
10 days

💰 See how taxes change too — compare take-home pay between Iowa and Ohio on TaxTakeHome.com

Where your money goes further

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