Is Saint Paul, MN cheaper than Toledo, OH?

Based on cost of living data, Saint Paul, MN is 19.3% more expensive than Toledo, OH. This translates to spending an extra $1444 per month.

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

If you earn $150,000 in Toledo, OH, you'd need approximately $167,325.874 in Saint Paul, MN to maintain the same standard of living.

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

Housing in Saint Paul, MN is 74.9% more expensive than in Toledo, OH. For a two-bedroom apartment, rent is $1,500/month in Saint Paul, MN compared to $1,075/month in Toledo, OH.

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

Living in Saint Paul, MN costs approximately $1444 more per month than Toledo, OH, or $17326 more per year, based on a $150,000 salary.

Toledo, OH vs Saint Paul, MN: 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 Toledo, OH

Numbers update automatically as you type

You'd spend $1.4K/month more in Saint Paul, MN

$150.0K in your current city equals $167.3K in Saint Paul, MN

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

Overall Cost

↑ 19.3%

More expensive

Monthly Impact

$1,444

Extra cost

Annual Impact

$17.3K

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

Saint Paul, MN

Population:308K

Cost Index:

119

(19% above avg)

Median Home:$274K

Toledo, OH

The Buckeye State

265K

Population

State Tax

Yes

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

Saint Paul, MN

The North Star State

308K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 308K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs Saint Paul, MN

Category	Toledo, OH	Saint Paul, MN	Difference	Change
Housing	$1,605/mo	$2,807/mo	↑ $1,202more	74.9%
Transportation	$1,617/mo	$1,380/mo	↓ $237less	14.7%
Healthcare	$572/mo	$756/mo	↑ $184more	32.2%
Groceries	$963/mo	$1,029/mo	↑ $66.20more	6.9%
All Utilities	$565/mo	$508/mo	↓ $57.24less	10.1%
Other	$1,723/mo	$1,774/mo	↑ $51.64more	3.0%

Housing

↑ 74.9%

Toledo, OH

$1,605

Saint Paul, MN

$2,807

Difference

$1,202

Transportation

↓ 14.7%

Toledo, OH

$1,617

Saint Paul, MN

$1,380

Difference

$237

less

Healthcare

↑ 32.2%

Toledo, OH

$572

Saint Paul, MN

$756

Difference

$184

Groceries

↑ 6.9%

Toledo, OH

$963

Saint Paul, MN

$1,029

Difference

$66.20

All Utilities

↓ 10.1%

Toledo, OH

$565

Saint Paul, MN

$508

Difference

$57.24

less

Other

↑ 3.0%

Toledo, OH

$1,723

Saint Paul, MN

$1,774

Difference

$51.64

🏛️ Local Income Taxes

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

Saint 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$772

To$1,000

↑ $228

1 Bed

From$818

To$1,200

↑ $382

2 Bed

From$1,075

To$1,500

↑ $425

3 Bed

From$1,379

To$2,100

↑ $721

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.

$7,045

Monthly in Toledo, OH

$8,254

Monthly in Saint Paul, MN

$1,209

Difference

Home Values

Toledo

Saint Paul

$130K

Median Value

$274K

↑ +5.6%

YoY Change

↓ -0.1%

↑ +41%

5-Year Change

↑ +13.6%

$47K - $314K

Price Range

$175K - $452K

Homes in Saint Paul are 111% more expensive than Toledo

Calculate payment - Toledo Calculate payment - Saint Paul

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $6.0K

More taxes

Monthly Difference

$500

Less take-home

Effective Rate Diff

4.0%

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

Saint 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

Additional Tax Information

Toledo, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

Saint Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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.