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Cost & Benefits

Compare / Baltimore to Toledo

Baltimore, MD vs Toledo, OH

Simple answer

You'd likely save $861 a month in Toledo.

This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.

The largest cost gap in this pair is housing prices. The BEA housing price parity differs by 50.9 points (Baltimore 118.2, Toledo 67.3).

Maryland taxes wages at rates up to 6.50%. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 1.3 percentage points, higher in Ohio. The effective property tax gap is 0.27 percentage points, higher in Ohio.

After a move from Maryland to Ohio, those two example households keep the same benefit status labels. A different income can still split Medicaid and marketplace credits.

A $75,000 salary in Baltimore lines up with about $65,646 in Toledo on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.

Baltimore

Baltimore-Columbia-Towson, MD

2-bedroom Fair Market Rent
$2,006
HUD area
Baltimore-Columbia-Towson, MD MSA
Census median gross rent
$1,633
All-items price parity
104.5
Goods price parity
102.4
Utilities price parity
110.2
Mean commute
30.3 min
Median household income
$98,666

Toledo

Toledo, OH

2-bedroom Fair Market Rent
$1,145
HUD area
Toledo, OH MSA
Census median gross rent
$949
All-items price parity
91.5
Goods price parity
93.6
Utilities price parity
96.3
Mean commute
20.9 min
Median household income
$66,095

Equivalent salary

The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.

Same buying power

$65,646

Salary in Toledo that matches the 2024 all-items regional price parity.

After state and federal tax

$60,959

Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.

Rent only

$42,809

Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.

Taxes on the two sides of the move

TaxMarylandOhio
State income tax on wagesup to 6.50%2.75% flat
Combined sales tax, Jan 1, 20266.0%7.3%
Effective property tax, ACS 2024 median / median0.95%1.22%

On a $400,000 home, the state median effective rate implies about $3,799 a year in Maryland and $4,899 in Ohio. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.

Benefits if you land in Ohio

Same household, $40,000 a year, scored once in Maryland and once in Ohio. This is an illustration, not your application.

  • Food stamps (SNAP)

    BaltimoreLikely eligible

    ToledoLikely eligible

  • Medicaid and CHIP

    BaltimoreLikely eligible

    ToledoLikely eligible

  • WIC

    BaltimoreLikely eligible

    ToledoLikely eligible

  • School meals

    BaltimoreLikely eligible

    ToledoLikely eligible

  • LIHEAP

    BaltimoreMaybe

    ToledoMaybe

  • Earned Income Tax Credit

    BaltimoreLikely eligible

    ToledoLikely eligible

  • Child Tax Credit

    BaltimoreLikely eligible

    ToledoLikely eligible

  • Marketplace premium tax credits

    BaltimoreUnlikely

    ToledoUnlikely

  • Lifeline phone and internet

    BaltimoreLikely eligible

    ToledoLikely eligible

  • SSI

    BaltimoreUnlikely

    ToledoUnlikely

At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.

Medicaid guide for Ohio · SNAP guide

Related comparisons

From Baltimore

The eight largest 2-bedroom Fair Market Rent gaps from Baltimore.

Nearby metros

How the salary and tax math works · The reverse city order redirects to this address.