Is St. Paul, MN cheaper than Toledo, OH?

Based on cost of living data, St. Paul, MN is 15.9% more expensive than Toledo, OH. This translates to spending an extra $1195 per month.

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

If you earn $150,000 in Toledo, OH, you'd need approximately $164,344.6 in St. Paul, MN to maintain the same standard of living.

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

Housing in St. Paul, MN is 68.4% more expensive than in Toledo, OH. For a two-bedroom apartment, rent is $1,680/month in St. Paul, MN compared to $1,075/month in Toledo, OH.

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

Living in St. Paul, MN costs approximately $1195 more per month than Toledo, OH, or $14345 more per year, based on a $150,000 salary.

Toledo, OH vs St. 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 $1.2K/month more in St. Paul, MN

$150.0K in your current city equals $164.3K in St. Paul, MN

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

Overall Cost

↑ 15.9%

More expensive

Monthly Impact

$1,195

Extra cost

Annual Impact

$14.3K

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

St. Paul, MN

Population:304K

Cost Index:

116

(16% 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.

St. Paul, MN

The North Star State

304K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 304K residents.

Cost Breakdown by Category

Annual spending: Toledo, OH vs St. Paul, MN

Category	Toledo, OH	St. Paul, MN	Difference	Change
Housing	$1,605/mo	$2,703/mo	↑ $1,098more	68.4%
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	$1,724/mo	↑ $1.42more	0.1%

Housing

↑ 68.4%

Toledo, OH

$1,605

St. Paul, MN

$2,703

Difference

$1,098

Transportation

↓ 14.7%

Toledo, OH

$1,617

St. Paul, MN

$1,380

Difference

$237

less

Healthcare

↑ 32.2%

Toledo, OH

$572

St. Paul, MN

$756

Difference

$184

Groceries

↑ 6.9%

Toledo, OH

$963

St. Paul, MN

$1,029

Difference

$66.20

All Utilities

↓ 10.1%

Toledo, OH

$565

St. Paul, MN

$508

Difference

$57.24

less

Other

↑ 0.1%

Toledo, OH

$1,723

St. Paul, MN

$1,724

Difference

$1.42

🏛️ Local Income Taxes

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

St. 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$1,220

↑ $448

1 Bed

From$818

To$1,380

↑ $562

2 Bed

From$1,075

To$1,680

↑ $605

3 Bed

From$1,379

To$2,225

↑ $846

Toledo, OHZIP-level data

1BR range: $740–$930/mo

St. Paul, MNZIP-level data

1BR range: $1,250–$1,680/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

$8,100

Monthly in St. Paul, MN

$1,055

Difference

Home Values

Toledo

St. Paul

$130K

Median Value

↑ +5.6%

YoY Change

↑ +41%

5-Year Change

$47K - $314K

Price Range

Calculate payment - Toledo

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

St. 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%

St. 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.