Milwaukee, WI vs Toledo, OH
Simple answer
You'd likely save $118 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 29.8 points (Milwaukee 97.1, Toledo 67.3).
Wisconsin taxes wages at rates up to 7.65%. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 1.6 percentage points, higher in Ohio. The effective property tax gap is 0.02 percentage points, higher in Wisconsin.
After a move from Wisconsin 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 Milwaukee lines up with about $70,759 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.
Milwaukee
Milwaukee-Waukesha, WI
- 2-bedroom Fair Market Rent
- $1,263
- HUD area
- Milwaukee-Waukesha, WI MSA
- Census median gross rent
- $1,177
- All-items price parity
- 96.9
- Goods price parity
- 93.8
- Utilities price parity
- 91.6
- Mean commute
- 23.2 min
- Median household income
- $77,919
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.
$70,759
Salary in Toledo that matches the 2024 all-items regional price parity.
$69,351
Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.
$67,993
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 | Wisconsin | Ohio |
|---|---|---|
| State income tax on wages | up to 7.65% | 2.75% flat |
| Combined sales tax, Jan 1, 2026 | 5.7% | 7.3% |
| Effective property tax, ACS 2024 median / median | 1.25% | 1.22% |
On a $400,000 home, the state median effective rate implies about $4,995 a year in Wisconsin 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 Wisconsin and once in Ohio. This is an illustration, not your application.
Food stamps (SNAP)
MilwaukeeLikely eligible
ToledoLikely eligible
Medicaid and CHIP
MilwaukeeLikely eligible
ToledoLikely eligible
WIC
MilwaukeeLikely eligible
ToledoLikely eligible
School meals
MilwaukeeLikely eligible
ToledoLikely eligible
LIHEAP
MilwaukeeMaybe
ToledoMaybe
Earned Income Tax Credit
MilwaukeeLikely eligible
ToledoLikely eligible
Child Tax Credit
MilwaukeeLikely eligible
ToledoLikely eligible
Marketplace premium tax credits
MilwaukeeLikely eligible
ToledoUnlikely
Lifeline phone and internet
MilwaukeeLikely eligible
ToledoLikely eligible
SSI
MilwaukeeUnlikely
ToledoUnlikely
| Program | Milwaukee | 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 | Likely eligible | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Milwaukee 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.
Related comparisons
From Milwaukee
The eight largest 2-bedroom Fair Market Rent gaps from Milwaukee.
- Milwaukee and San Francisco · rent gap $2,434
- Milwaukee and San Jose · rent gap $2,009
- Milwaukee and Boston · rent gap $1,745
- Milwaukee and New York · rent gap $1,708
- Milwaukee and Los Angeles · rent gap $1,701
- Milwaukee and San Diego · rent gap $1,560
- Milwaukee and Miami · rent gap $1,301
- Milwaukee and Seattle · rent gap $1,286
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.