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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 $684/month more in Toledo, OH

$150.0K in your current city equals $158.2K in Toledo, OH

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
9.1%
More expensive
Monthly Impact
$684
Extra cost
Annual Impact
$8.2K
Per year

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

Fort Wayne, IN

Population:270K
Cost Index:
100
100 = national average
Median Home:$206K

Toledo, OH

Population:265K
Cost Index:
109
(9% above avg)
Median Home:$130K

Fort Wayne, IN

The Hoosier State

270K
Population
State Tax
Yes

Located in Indiana, this city has a population of 270K 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: Fort Wayne, IN vs Toledo, OH

Transportation
36.0%
Fort Wayne, IN
$1,188
Toledo, OH
$1,617
Difference
$428
more
Other
15.6%
Fort Wayne, IN
$1,490
Toledo, OH
$1,723
Difference
$233
more
Housing
11.8%
Fort Wayne, IN
$1,819
Toledo, OH
$1,605
Difference
$214
less
All Utilities
12.5%
Fort Wayne, IN
$503
Toledo, OH
$565
Difference
$62.71
more
Groceries
4.8%
Fort Wayne, IN
$919
Toledo, OH
$963
Difference
$43.71
more
Healthcare
1.8%
Fort Wayne, IN
$582
Toledo, OH
$572
Difference
$10.43
less

🏛️ Local Income Taxes

Fort Wayne, IN: Allen County Income Tax$2,220/yr (1.5%)
Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)
Net difference+$1,530/yr

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

🏠Rent Comparison

Studio
From$870
To$772
$98.00
1 Bed
From$900
To$818
$82.00
2 Bed
From$1,090
To$1,075
$15.00
3 Bed
From$1,350
To$1,379
$29.00
Fort Wayne, INZIP-level data

1BR range: $790$1,360/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.

$6,502
Monthly in Fort Wayne, IN
$7,045
Monthly in Toledo, OH
$543
Difference

Home Values

Fort Wayne
Toledo
$206K
Median Value
$130K
↑ +2.2%
YoY Change
↑ +5.6%
↑ +46.8%
5-Year Change
↑ +41%
$104K - $439K
Price Range
$47K - $314K

Homes in Toledo are 37% less expensive than Fort Wayne

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$418
Per year
Monthly Difference
$34.81
More take-home
Effective Rate Diff
0.3%
Rate difference

Fort Wayne, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

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

Fort Wayne, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

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

Fort Wayne
Toledo
45 Good
Air Quality
55 Moderate
62.6%
Good Air Days
32.8%
91 Moderate
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🌪
+3.1°F
2050 Outlook
+3.1°F
17 days
Heat Days >95°F
10 days
+3.1°F
2050 Outlook
+3.1°F
17 days
Heat Days >95°F
10 days

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

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