Cleveland, OH vs Toledo, OH
Simple answer
You'd likely save $129 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 12.1 points (Cleveland 79.4, Toledo 67.3).
Ohio taxes wages at a flat 2.75%. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 0.0 percentage points, higher in Ohio. The effective property tax gap is 0.00 percentage points, higher in Ohio.
Both metros are in Ohio, so benefit eligibility in this tool does not change with the move. Rent and price levels still differ.
A $75,000 salary in Cleveland lines up with about $73,029 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.
Cleveland
Cleveland, OH
- 2-bedroom Fair Market Rent
- $1,274
- HUD area
- Cleveland, OH HUD Metro FMR Area
- Census median gross rent
- $1,087
- All-items price parity
- 93.9
- Goods price parity
- 93.6
- Utilities price parity
- 96.0
- Mean commute
- 24.0 min
- Median household income
- $72,532
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.
$73,029
Salary in Toledo that matches the 2024 all-items regional price parity.
$72,649
Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.
$67,406
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 | Ohio | Ohio |
|---|---|---|
| State income tax on wages | 2.75% flat | 2.75% flat |
| Combined sales tax, Jan 1, 2026 | 7.3% | 7.3% |
| Effective property tax, ACS 2024 median / median | 1.22% | 1.22% |
On a $400,000 home, the state median effective rate implies about $4,899 a year in Ohio 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
Cleveland and Toledo are in Ohio. The benefit rules in this tool are statewide, so the statuses match. Rent and prices still differ.
Food stamps (SNAP)
ClevelandLikely eligible
ToledoLikely eligible
Medicaid and CHIP
ClevelandLikely eligible
ToledoLikely eligible
WIC
ClevelandLikely eligible
ToledoLikely eligible
School meals
ClevelandLikely eligible
ToledoLikely eligible
LIHEAP
ClevelandMaybe
ToledoMaybe
Earned Income Tax Credit
ClevelandLikely eligible
ToledoLikely eligible
Child Tax Credit
ClevelandLikely eligible
ToledoLikely eligible
Marketplace premium tax credits
ClevelandUnlikely
ToledoUnlikely
Lifeline phone and internet
ClevelandLikely eligible
ToledoLikely eligible
SSI
ClevelandUnlikely
ToledoUnlikely
| Program | Cleveland | 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 |
Related comparisons
From Cleveland
The eight largest 2-bedroom Fair Market Rent gaps from Cleveland.
- Cleveland and San Francisco · rent gap $2,423
- Cleveland and San Jose · rent gap $1,998
- Cleveland and Boston · rent gap $1,734
- Cleveland and New York · rent gap $1,697
- Cleveland and Los Angeles · rent gap $1,690
- Cleveland and San Diego · rent gap $1,549
- Cleveland and Miami · rent gap $1,290
- Cleveland and Seattle · rent gap $1,275
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.