Tampa, FL vs Toledo, OH
Simple answer
You'd likely save $772 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 Census rent. Census median gross rent differs by $827, with Tampa higher.
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 Tampa lines up with about $67,986 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.
Tampa
Tampa-St. Petersburg-Clearwater, FL
- 2-bedroom Fair Market Rent
- $1,917
- HUD area
- Tampa-St. Petersburg-Clearwater, FL MSA
- Census median gross rent
- $1,776
- All-items price parity
- 100.9
- Goods price parity
- 95.5
- Utilities price parity
- 88.5
- Mean commute
- 29.4 min
- Median household income
- $78,275
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.
$67,986
Salary in Toledo that matches the 2024 all-items regional price parity.
$69,609
Gross salary in Toledo whose after-tax pay buys the same basket, using price parities.
$44,797
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 | Florida | Ohio |
|---|---|---|
| State income tax on wages | No wage tax | 2.75% flat |
| Combined sales tax, Jan 1, 2026 | 7.0% | 7.3% |
| Effective property tax, ACS 2024 median / median | 0.75% | 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)
TampaLikely eligible
ToledoLikely eligible
Medicaid and CHIP
TampaLikely eligible
ToledoLikely eligible
WIC
TampaLikely eligible
ToledoLikely eligible
School meals
TampaLikely eligible
ToledoLikely eligible
LIHEAP
TampaMaybe
ToledoMaybe
Earned Income Tax Credit
TampaLikely eligible
ToledoLikely eligible
Child Tax Credit
TampaLikely eligible
ToledoLikely eligible
Marketplace premium tax credits
TampaLikely eligible
ToledoUnlikely
Lifeline phone and internet
TampaLikely eligible
ToledoLikely eligible
SSI
TampaUnlikely
ToledoUnlikely
| Program | Tampa | 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 Tampa 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 Tampa
The eight largest 2-bedroom Fair Market Rent gaps from Tampa.
- Tampa and San Francisco · rent gap $1,780
- Tampa and San Jose · rent gap $1,355
- Tampa and Boston · rent gap $1,091
- Tampa and New York · rent gap $1,054
- Tampa and Los Angeles · rent gap $1,047
- Tampa and San Diego · rent gap $906
- Tampa and McAllen · rent gap $900
- Tampa and Wichita · rent gap $874
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.