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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $307/month more in Toledo, OH

$150.0K in your current city equals $153.7K in Toledo, OH

Rent data from HUD ZIP-level estimates · COL index from St. Louis, MO-IL area
Overall Cost
4.1%
More expensive
Monthly Impact
$307
Extra cost
Annual Impact
$3.7K
Per year

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

St. Louis, MO

Population:302K
Cost Index:
100
100 = national average
Median Home:$145K

Toledo, OH

Population:265K
Cost Index:
104
(4% above avg)
Median Home:$130K

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

Located in Missouri, this city has a population of 302K 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: St. Louis, MO vs Toledo, OH

Transportation
33.0%
St. Louis, MO
$1,216
Toledo, OH
$1,617
Difference
$401
more
Housing
14.2%
St. Louis, MO
$1,871
Toledo, OH
$1,605
Difference
$266
less
Other
7.2%
St. Louis, MO
$1,607
Toledo, OH
$1,723
Difference
$116
more
Healthcare
8.6%
St. Louis, MO
$527
Toledo, OH
$572
Difference
$45.33
more
All Utilities
5.6%
St. Louis, MO
$535
Toledo, OH
$565
Difference
$29.92
more
Groceries
1.4%
St. Louis, MO
$949
Toledo, OH
$963
Difference
$13.74
more

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)
Net difference+$2,250/yr

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

🏠Rent Comparison

Studio
From$910
To$772
$138
1 Bed
From$950
To$818
$132
2 Bed
From$1,160
To$1,075
$85.00
3 Bed
From$1,490
To$1,379
$111
St. Louis, MOZIP-level data

1BR range: $800$1,480/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.

$6,705
Monthly in St. Louis, MO
$7,045
Monthly in Toledo, OH
$339
Difference

Home Values

St. Louis
Toledo
$145K
Median Value
$130K
↓ -0.8%
YoY Change
↑ +5.6%
↑ +10.9%
5-Year Change
↑ +41%
$38K - $302K
Price Range
$47K - $314K

Homes in Toledo are 10% less expensive than St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$3.5K
Per year
Monthly Difference
$292
More take-home
Effective Rate Diff
2.3%
Rate difference

St. Louis, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

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

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

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

St. Louis
Toledo
54 Moderate
Air Quality
55 Moderate
38%
Good Air Days
32.8%
99 High
Climate Risk
99 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
10 days
+3.0°F
2050 Outlook
+3.1°F
39 days
Heat Days >95°F
10 days

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

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