Tap to swap

Cost of Living Comparison 2026

Compare Toledo, OH and Des Moines, IA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Data: HUD rent estimates, BLS cost of living

$
Numbers update automatically as you type

You'd save $46.81/month moving to Des Moines, IA

$150.0K in your current city equals $149.4K in Des Moines, IA

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↓ 0.6%
Less expensive
Monthly Impact
$46.81
Savings
Annual Impact
$562
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

Des Moines, IA

Population:214K
Cost Index:
99
(1% below avg)
Median Home:$228K

Planning the move to Des Moines?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Toledo, OH

The Buckeye State

265K
Population
State Tax
Yes

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

Des Moines, IA

The Hawkeye State

214K
Population
State Tax
Yes

Located in Iowa, this city has a population of 214K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs Des Moines, IA

Housing
↑ 29.6%
Toledo, OH
$1,605
Des Moines, IA
$2,079
Difference
$474
more
Transportation
↓ 23.1%
Toledo, OH
$1,617
Des Moines, IA
$1,243
Difference
$374
less
Other
↓ 6.7%
Toledo, OH
$1,723
Des Moines, IA
$1,607
Difference
$116
less
Healthcare
↑ 19.2%
Toledo, OH
$572
Des Moines, IA
$682
Difference
$110
more
All Utilities
↓ 16.9%
Toledo, OH
$565
Des Moines, IA
$470
Difference
$95.49
less
Groceries
↓ 5.6%
Toledo, OH
$963
Des Moines, IA
$909
Difference
$53.71
less

🏛️ Local Income Taxes

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

Des Moines, IA 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$1,020
↑ $248
1 Bed
From$818
To$1,060
↑ $242
2 Bed
From$1,075
To$1,260
↑ $185
3 Bed
From$1,379
To$1,720
↑ $341
Toledo, OHZIP-level data

1BR range: $740–$930/mo

Des Moines, IAZIP-level data

1BR range: $960–$1,150/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
$6,990
Monthly in Des Moines, IA
$54.74
Difference

Home Values

Toledo
Des Moines
$130K
Median Value
$228K
↑ +5.6%
YoY Change
↑ +1.2%
↑ +41%
5-Year Change
↑ +32.4%
$47K - $314K
Price Range
$157K - $344K

Homes in Des Moines are 76% more expensive than Toledo

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $6.3K
More taxes
Monthly Difference
$523
Less take-home
Effective Rate Diff
4.2%
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

Des Moines, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Additional Tax Information

Toledo, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

Des Moines, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

💡 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Environment

Toledo
Des Moines
55 Moderate
Air Quality
45 Good
32.8%
Good Air Days
67.5%
99 High
Climate Risk
92 Moderate
🌊🌡🌪
Top Hazards
🌡☀🌪
▲+3.1°F
2050 Outlook
▲+3.4°F
10 days
Heat Days >95°F
25 days
▲+3.1°F
2050 Outlook
▲+3.4°F
10 days
Heat Days >95°F
25 days

What to Consider When Moving from Toledo, OH to Des Moines, IA

Relocating from Toledo, OH to Des Moines, IA involves more than just comparing rent prices. While the overall cost of living is about 1% lower in Des Moines, IA, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Des Moines, IA is 30% more expensive than in Toledo, OH. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Des Moines, IA pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Des Moines, IA to match your current standard of living in Toledo, OH.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Des Moines, IA for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Toledo, OH vs Des Moines, IA

How do the cost estimates for Toledo, OH and Des Moines, IA compare?

The saved overall index for Des Moines, IA is 0.6% lower than for Toledo, OH. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Toledo, OH, the model estimates $149,438 in Des Moines, IA. It assumes 60% of gross income changes with the relative cost index and 40% stays fixed. The monthly difference is the salary difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Toledo, OH and Des Moines, IA?

The modeled two-bedroom rents are $1,075/month in Toledo, OH and $1,260/month in Des Moines, IA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

Similar cost to Des Moines, IA

Other cities in a similar price range

Want to compare different cities?

New Comparison