San Diego, CA vs Toledo, OH
Simple answer
You'd likely save $1,678 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 112.0 points (San Diego 179.3, Toledo 67.3).
California taxes wages at rates up to 13.30%. Ohio taxes wages at a flat 2.75%. Combined sales tax differs by 1.7 percentage points, higher in California. The effective property tax gap is 0.52 percentage points, higher in Ohio.
After a move from California 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 San Diego lines up with about $61,304 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.
San Diego
San Diego-Chula Vista-Carlsbad, CA
- 2-bedroom Fair Market Rent
- $2,823
- HUD area
- San Diego-Chula Vista-Carlsbad, CA MSA
- Census median gross rent
- $2,336
- All-items price parity
- 111.9
- Goods price parity
- 108.0
- Utilities price parity
- 174.2
- Mean commute
- 26.1 min
- Median household income
- $109,132
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.
$61,304
Salary in Toledo that matches the 2024 all-items regional price parity.
$59,036
Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.
$30,420
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 | California | Ohio |
|---|---|---|
| State income tax on wages | up to 13.30% | 2.75% flat |
| Combined sales tax, Jan 1, 2026 | 9.0% | 7.3% |
| Effective property tax, ACS 2024 median / median | 0.71% | 1.22% |
On a $400,000 home, the state median effective rate implies about $2,828 a year in California 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 California and once in Ohio. This is an illustration, not your application.
Food stamps (SNAP)
San DiegoLikely eligible
ToledoLikely eligible
Medicaid and CHIP
San DiegoLikely eligible
ToledoLikely eligible
WIC
San DiegoLikely eligible
ToledoLikely eligible
School meals
San DiegoLikely eligible
ToledoLikely eligible
LIHEAP
San DiegoMaybe
ToledoMaybe
Earned Income Tax Credit
San DiegoLikely eligible
ToledoLikely eligible
Child Tax Credit
San DiegoLikely eligible
ToledoLikely eligible
Marketplace premium tax credits
San DiegoUnlikely
ToledoUnlikely
Lifeline phone and internet
San DiegoLikely eligible
ToledoLikely eligible
SSI
San DiegoUnlikely
ToledoUnlikely
| Program | San Diego | 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 San Diego
The eight largest 2-bedroom Fair Market Rent gaps from San Diego.
- San Diego and McAllen · rent gap $1,806
- San Diego and Wichita · rent gap $1,780
- San Diego and Little Rock · rent gap $1,702
- San Diego and El Paso · rent gap $1,677
- San Diego and Baton Rouge · rent gap $1,674
- San Diego and Columbia · rent gap $1,597
- San Diego and Tulsa · rent gap $1,594
- San Diego and Akron · rent gap $1,592
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.