Is Austin, TX cheaper than Toledo, OH?

Based on cost of living data, Austin, TX is 13.7% more expensive than Toledo, OH. This translates to spending an extra $1030 per month.

What salary do I need in Austin, TX to live like I do in Toledo, OH?

If you earn $150,000 in Toledo, OH, you'd need approximately $162,357.084 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Toledo, OH and Austin, TX?

Housing in Austin, TX is 79.8% more expensive than in Toledo, OH. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,075/month in Toledo, OH.

How much can I save per month by moving from Toledo, OH to Austin, TX?

Living in Austin, TX costs approximately $1030 more per month than Toledo, OH, or $12357 more per year, based on a $150,000 salary.

Toledo, OH vs Austin, TX: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Toledo, OH — ZIP-level rent data · COL adjusted from Detroit, MI area

Current salary in Toledo, OH

Numbers update automatically as you type

You'd spend $1.0K/month more in Austin, TX

$150.0K in your current city equals $162.4K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 13.7%

More expensive

Monthly Impact

$1,030

Extra cost

Annual Impact

$12.4K

Per year

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

Toledo, OH

Population:265K

Cost Index:100

Median Home:$130K

Austin, TX

Population:979K

Cost Index:114

Median Home:$558K

Toledo, OH

The Buckeye State

265K

Population

State Tax

Yes

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

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Toledo, OH vs Austin, TX

Category	Toledo, OH	Austin, TX	Difference	Change
🏠Housing	$1,605/mo	$2,885/mo	↑ $1,280more	79.8%
🚗Transportation	$1,617/mo	$1,284/mo	↓ $333less	20.6%
⚡All Utilities	$565/mo	$541/mo	↓ $24.46less	4.3%
📦Other	$1,723/mo	$1,741/mo	↑ $18.16more	1.1%
🏥Healthcare	$572/mo	$589/mo	↑ $16.62more	2.9%
🛒Groceries	$963/mo	$959/mo	↓ $3.74less	0.4%

🏠Housing

↑ 79.8%

Toledo, OH

$1,605

Austin, TX

$2,885

Difference

$1,280

🚗Transportation

↓ 20.6%

Toledo, OH

$1,617

Austin, TX

$1,284

Difference

$333

less

⚡All Utilities

↓ 4.3%

Toledo, OH

$565

Austin, TX

$541

Difference

$24.46

less

📦Other

↑ 1.1%

Toledo, OH

$1,723

Austin, TX

$1,741

Difference

$18.16

🏥Healthcare

↑ 2.9%

Toledo, OH

$572

Austin, TX

$589

Difference

$16.62

🛒Groceries

↓ 0.4%

Toledo, OH

$963

Austin, TX

$959

Difference

$3.74

less

🏛️ Local Income Taxes

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

Austin, TX 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$772

To$1,585

↑ $813

1 Bed

From$818

To$1,685

↑ $867

2 Bed

From$1,075

To$1,995

↑ $920

3 Bed

From$1,379

To$2,525

↑ $1,146

Toledo, OHZIP-level data

1BR range: $740–$930/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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.

$7,045

Monthly in Toledo, OH

$7,998

Monthly in Austin, TX

$954

Difference

Home Values

Toledo

Austin

$130K

Median Value

$558K

↑ +5.6%

YoY Change

↓ -5%

↑ +41%

5-Year Change

↑ +12.6%

$47K - $314K

Price Range

$272K - $1.26M

Homes in Austin are 331% more expensive than Toledo

Calculate payment - Toledo Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.4K

Per year

Monthly Difference

$369

More take-home

Effective Rate Diff

3.0%

Rate difference

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

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Toledo, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.