Boston, MA vs Toledo, OH
Simple answer
You'd likely save $1,863 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 Fair Market Rent. The 2-bedroom Fair Market Rent gap is $1,863: Boston is higher at $3,008 versus $1,145.
Massachusetts taxes wages at rates up to 9.00%. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 1.0 percentage points, higher in Ohio. The effective property tax gap is 0.22 percentage points, higher in Ohio.
After a move from Massachusetts 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 Boston lines up with about $63,354 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.
Boston
Boston-Cambridge-Newton, MA-NH
- 2-bedroom Fair Market Rent
- $3,008
- HUD area
- Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area
- Census median gross rent
- $2,093
- All-items price parity
- 108.3
- Goods price parity
- 99.7
- Utilities price parity
- 148.8
- Mean commute
- 31.9 min
- Median household income
- $117,825
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.
$63,354
Salary in Toledo that matches the 2024 all-items regional price parity.
$60,320
Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.
$28,549
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
| Tax | Massachusetts | Ohio |
|---|---|---|
| State income tax on wages | up to 9.00% | 2.75% flat |
| Combined sales tax, Jan 1, 2026 | 6.3% | 7.3% |
| Effective property tax, ACS 2024 median / median | 1.00% | 1.22% |
On a $400,000 home, the state median effective rate implies about $4,004 a year in Massachusetts 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 Massachusetts and once in Ohio. This is an illustration, not your application.
Food stamps (SNAP)
BostonLikely eligible
ToledoLikely eligible
Medicaid and CHIP
BostonLikely eligible
ToledoLikely eligible
WIC
BostonLikely eligible
ToledoLikely eligible
School meals
BostonLikely eligible
ToledoLikely eligible
LIHEAP
BostonMaybe
ToledoMaybe
Earned Income Tax Credit
BostonLikely eligible
ToledoLikely eligible
Child Tax Credit
BostonLikely eligible
ToledoLikely eligible
Marketplace premium tax credits
BostonUnlikely
ToledoUnlikely
Lifeline phone and internet
BostonLikely eligible
ToledoLikely eligible
SSI
BostonUnlikely
ToledoUnlikely
| Program | Boston | Toledo |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.
Related comparisons
From Boston
The eight largest 2-bedroom Fair Market Rent gaps from Boston.
- Boston and McAllen · rent gap $1,991
- Boston and Wichita · rent gap $1,965
- Boston and Little Rock · rent gap $1,887
- Boston and El Paso · rent gap $1,862
- Boston and Baton Rouge · rent gap $1,859
- Boston and Columbia · rent gap $1,782
- Boston and Tulsa · rent gap $1,779
- Boston and Akron · rent gap $1,777
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.