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Cost of Living Comparison 2026

๐Ÿ“ Toledo, OH โ€” ZIP-level rent data ยท COL adjusted from Detroit, MI area

$

Numbers update automatically as you type

You'd save $295/month moving to St. Louis, MO

$150.0K in your current city equals $146.5K in St. Louis, MO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 3.9%
Less expensive
Monthly Impact
$295
Savings
Annual Impact
$3.5K
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

St. Louis, MO

Population:302K
Cost Index:96
Median Home:$145K

Toledo, OH

The Buckeye State

265K
Population
State Tax
Yes

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

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

Located in Missouri, this city has a population of 302K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs St. Louis, MO

๐Ÿš—Transportation
โ†“ 24.8%
Toledo, OH
$1,617
St. Louis, MO
$1,216
Difference
$401
less
๐Ÿ Housing
โ†‘ 16.6%
Toledo, OH
$1,605
St. Louis, MO
$1,871
Difference
$266
more
๐Ÿ“ฆOther
โ†“ 6.7%
Toledo, OH
$1,723
St. Louis, MO
$1,607
Difference
$116
less
๐ŸฅHealthcare
โ†“ 7.9%
Toledo, OH
$572
St. Louis, MO
$527
Difference
$45.33
less
โšกAll Utilities
โ†“ 5.3%
Toledo, OH
$565
St. Louis, MO
$535
Difference
$29.92
less
๐Ÿ›’Groceries
โ†“ 1.4%
Toledo, OH
$963
St. Louis, MO
$949
Difference
$13.74
less

๐Ÿ›๏ธ Local Income Taxes

Toledo, OH: Toledo Municipal Income Tax$3,750/yr (2.5%)
St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)
Net difference-$2,250/yr

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

๐Ÿ Rent Comparison

Studio
From$772
To$910
โ†‘ $138
1 Bed
From$818
To$950
โ†‘ $132
2 Bed
From$1,075
To$1,160
โ†‘ $85.00
3 Bed
From$1,379
To$1,490
โ†‘ $111
Toledo, OHZIP-level data

1BR range: $740โ€“$930/mo

St. Louis, MOZIP-level data

1BR range: $800โ€“$1,480/mo

๐Ÿ’ก 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
$6,705
Monthly in St. Louis, MO
$339
Difference

Home Values

Toledo
St. Louis
$130K
Median Value
$145K
โ†‘ +5.6%
YoY Change
โ†“ -0.8%
โ†‘ +41%
5-Year Change
โ†‘ +10.9%
$47K - $314K
Price Range
$38K - $302K

Homes in St. Louis are 12% more expensive than Toledo

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $3.5K
More taxes
Monthly Difference
$292
Less take-home
Effective Rate Diff
2.3%
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

St. Louis, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Toledo, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

๐Ÿ’ก 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.

Environment

Toledo
St. Louis
55 Moderate
Air Quality
54 Moderate
32.8%
Good Air Days
38%
99 High
Climate Risk
99 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐Ÿซจ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
10 days
Heat Days >95ยฐF
39 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.0ยฐF
10 days
Heat Days >95ยฐF
39 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Ohio and Missouri on TaxTakeHome.com

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