Is Cincinnati, OH cheaper than Toledo, OH?

Based on cost of living data, Cincinnati, OH is 1.7% cheaper than Toledo, OH. This translates to saving $130 per month.

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

If you earn $150,000 in Toledo, OH, you'd need approximately $148,444.471 in Cincinnati, OH to maintain the same standard of living.

How does housing cost compare between Toledo, OH and Cincinnati, OH?

Housing in Cincinnati, OH is 29.6% more expensive than in Toledo, OH. For a two-bedroom apartment, rent is $1,200/month in Cincinnati, OH compared to $1,075/month in Toledo, OH.

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

Moving from Toledo, OH to Cincinnati, OH could save you approximately $130 per month, or $1556 per year, based on a $150,000 salary.

Toledo, OH vs Cincinnati, OH: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Toledo, OH

Numbers update automatically as you type

You'd save $130/month moving to Cincinnati, OH

$150.0K in your current city equals $148.4K in Cincinnati, OH

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

Overall Cost

↓ 1.7%

Less expensive

Monthly Impact

$130

Savings

Annual Impact

$1.6K

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

100 = national average

Median Home:$130K

Cincinnati, OH

Population:309K

Cost Index:

(2% below avg)

Median Home:$225K

Toledo, OH

The Buckeye State

265K

Population

State Tax

Yes

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

Cincinnati, OH

The Buckeye State

309K

Population

State Tax

Yes

Located in Ohio, this city has a population of 309K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs Cincinnati, OH

Category	Toledo, OH	Cincinnati, OH	Difference	Change
Housing	$1,605/mo	$2,079/mo	↑ $474more	29.6%
Transportation	$1,617/mo	$1,216/mo	↓ $401less	24.8%
Other	$1,723/mo	$1,607/mo	↓ $116less	6.7%
All Utilities	$565/mo	$464/mo	↓ $101less	17.9%
Groceries	$963/mo	$919/mo	↓ $43.71less	4.5%
Healthcare	$572/mo	$564/mo	↓ $8.16less	1.4%

Housing

↑ 29.6%

Toledo, OH

$1,605

Cincinnati, OH

$2,079

Difference

$474

Transportation

↓ 24.8%

Toledo, OH

$1,617

Cincinnati, OH

$1,216

Difference

$401

less

Other

↓ 6.7%

Toledo, OH

$1,723

Cincinnati, OH

$1,607

Difference

$116

less

All Utilities

↓ 17.9%

Toledo, OH

$565

Cincinnati, OH

$464

Difference

$101

less

Groceries

↓ 4.5%

Toledo, OH

$963

Cincinnati, OH

$919

Difference

$43.71

less

Healthcare

↓ 1.4%

Toledo, OH

$572

Cincinnati, OH

$564

Difference

$8.16

less

🏛️ Local Income Taxes

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

Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)

Net difference-$1,050/yr

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

🏠Rent Comparison

Studio

From$772

To$850

↑ $78.00

1 Bed

From$818

To$935

↑ $117

2 Bed

From$1,075

To$1,200

↑ $125

3 Bed

From$1,379

To$1,585

↑ $206

Toledo, OHZIP-level data

1BR range: $740–$930/mo

Cincinnati, OHZIP-level data

1BR range: $760–$1,580/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

$6,849

Monthly in Cincinnati, OH

$195

Difference

Home Values

Toledo

Cincinnati

$130K

Median Value

$225K

↑ +5.6%

YoY Change

↑ +1.2%

↑ +41%

5-Year Change

↑ +31.9%

$47K - $314K

Price Range

$113K - $592K

Homes in Cincinnati are 73% more expensive than Toledo

Calculate payment - Toledo Calculate payment - Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

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

Cincinnati, 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

Toledo, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

Cincinnati, 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.