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Cost & Benefits

Compare / Miami to Toledo

Miami, FL vs Toledo, OH

Simple answer

You'd likely save $1,419 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 88.2 points (Miami 155.6, Toledo 67.3).

Florida has no tax on wages. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 0.3 percentage points, higher in Ohio. The effective property tax gap is 0.47 percentage points, higher in Ohio.

After a move from Florida to Ohio, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.

A $75,000 salary in Miami lines up with about $60,086 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.

Miami

Miami-Fort Lauderdale-West Palm Beach, FL

2-bedroom Fair Market Rent
$2,564
HUD area
Miami-Miami Beach-Kendall, FL HUD Metro FMR Area
Census median gross rent
$2,083
All-items price parity
114.2
Goods price parity
103.6
Utilities price parity
97.2
Mean commute
30.2 min
Median household income
$80,625

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

$60,086

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

After state and federal tax

$60,710

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

Rent only

$33,493

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

TaxFloridaOhio
State income tax on wagesNo wage tax2.75% flat
Combined sales tax, Jan 1, 20267.0%7.3%
Effective property tax, ACS 2024 median / median0.75%1.22%

On a $400,000 home, the state median effective rate implies about $3,016 a year in Florida 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 Florida and once in Ohio. This is an illustration, not your application.

  • Food stamps (SNAP)

    MiamiLikely eligible

    ToledoLikely eligible

  • Medicaid and CHIP

    MiamiLikely eligible

    ToledoLikely eligible

  • WIC

    MiamiLikely eligible

    ToledoLikely eligible

  • School meals

    MiamiLikely eligible

    ToledoLikely eligible

  • LIHEAP

    MiamiMaybe

    ToledoMaybe

  • Earned Income Tax Credit

    MiamiLikely eligible

    ToledoLikely eligible

  • Child Tax Credit

    MiamiLikely eligible

    ToledoLikely eligible

  • Marketplace premium tax credits

    MiamiLikely eligible

    ToledoUnlikely

  • Lifeline phone and internet

    MiamiLikely eligible

    ToledoLikely eligible

  • SSI

    MiamiUnlikely

    ToledoUnlikely

Marketplace premium tax credits changes. In Miami the result is “Likely inside the 2026 subsidy range.” In Toledo it is “Unlikely — Medicaid is the closer program.” Ohio expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.

Medicaid guide for Ohio · SNAP guide

Related comparisons

From Miami

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

Nearby metros

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