Is Toledo, OH cheaper than St. Paul, MN?

Based on cost of living data, Toledo, OH is 13.7% cheaper than St. Paul, MN. This translates to saving $1031 per month.

What salary do I need in Toledo, OH to live like I do in St. Paul, MN?

If you earn $150,000 in St. Paul, MN, you'd need approximately $137,627.4 in Toledo, OH to maintain the same standard of living.

How does housing cost compare between St. Paul, MN and Toledo, OH?

Housing in Toledo, OH is 40.6% cheaper than in St. Paul, MN. For a two-bedroom apartment, rent is $1,075/month in Toledo, OH compared to $1,680/month in St. Paul, MN.

How much can I save per month by moving from St. Paul, MN to Toledo, OH?

Moving from St. Paul, MN to Toledo, OH could save you approximately $1031 per month, or $12373 per year, based on a $150,000 salary.

St. Paul, MN vs Toledo, OH: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in St. Paul, MN

Numbers update automatically as you type

You'd save $1.0K/month moving to Toledo, OH

$150.0K in your current city equals $137.6K in Toledo, OH

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 13.7%

Less expensive

Monthly Impact

$1,031

Savings

Annual Impact

$12.4K

Per year

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

St. Paul, MN

Population:304K

Cost Index:

100

100 = national average

Median Home:$274K

Toledo, OH

Population:265K

Cost Index:

(14% below avg)

Median Home:$130K

St. Paul, MN

The North Star State

304K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 304K 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. Paul, MN vs Toledo, OH

Category	St. Paul, MN	Toledo, OH	Difference	Change
Housing	$2,703/mo	$1,605/mo	↓ $1,098less	40.6%
Transportation	$1,380/mo	$1,617/mo	↑ $237more	17.2%
Healthcare	$756/mo	$572/mo	↓ $184less	24.3%
Groceries	$1,029/mo	$963/mo	↓ $66.20less	6.4%
All Utilities	$508/mo	$565/mo	↑ $57.24more	11.3%
Other	$1,724/mo	$1,723/mo	↓ $1.42less	0.1%

Housing

↓ 40.6%

St. Paul, MN

$2,703

Toledo, OH

$1,605

Difference

$1,098

less

Transportation

↑ 17.2%

St. Paul, MN

$1,380

Toledo, OH

$1,617

Difference

$237

Healthcare

↓ 24.3%

St. Paul, MN

$756

Toledo, OH

$572

Difference

$184

less

Groceries

↓ 6.4%

St. Paul, MN

$1,029

Toledo, OH

$963

Difference

$66.20

less

All Utilities

↑ 11.3%

St. Paul, MN

$508

Toledo, OH

$565

Difference

$57.24

Other

↓ 0.1%

St. Paul, MN

$1,724

Toledo, OH

$1,723

Difference

$1.42

less

🏛️ Local Income Taxes

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

St. Paul, MN 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$1,220

To$772

↓ $448

1 Bed

From$1,380

To$818

↓ $562

2 Bed

From$1,680

To$1,075

↓ $605

3 Bed

From$2,225

To$1,379

↓ $846

St. Paul, MNZIP-level data

1BR range: $1,250–$1,680/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.

$8,100

Monthly in St. Paul, MN

$7,045

Monthly in Toledo, OH

$1,055

Difference

Home Values

St. Paul

Toledo

Median Value

$130K

YoY Change

↑ +5.6%

5-Year Change

↑ +41%

Price Range

$47K - $314K

Calculate payment - Toledo

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $6.0K

Per year

Monthly Difference

$500

More take-home

Effective Rate Diff

4.0%

Rate difference

St. Paul, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

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

St. Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

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.