Cost of Living: Cincinnati, OH vs Toledo, OH (2026)

Cincinnati

Ohio
69
VS

Toledo

Ohio
52

Cincinnati is 33% more expensive than Toledo.

$953/mo ↑ 8%
Median Rent
$880/mo ↓ 8%
$51,707/yr ↑ 9%
Median Income
$47,532/yr ↓ 8%
$215,300 ↑ 101%
Home Value
$107,000 ↓ 50%
$1,041/mo ↑ 22%
Owner Costs
$856/mo ↓ 18%
309,595
Population
268,461

Tax Comparison

3.5%
Income Tax
3.5%
5.75%
State Sales Tax
5.75%
1.53%
Property Tax
1.53%

Affordability

22.1%
rent-to-income
Affordability
22.2%
rent-to-income

Detailed Comparison

When comparing Cincinnati, OH and Toledo, OH, the overall cost of living indices are 69 and 52 respectively (national median = 100). Rent is $73/month cheaper in Toledo, saving renters about $876/year.

Median household income is $4,175/year higher in Cincinnati. Home values also differ significantly — the median in Cincinnati is $215,300 compared to $107,000 in Toledo.

Both cities share the same state tax structure since they are in Ohio.

Frequently Asked Questions

Cincinnati vs Toledo — common questions

Is Cincinnati or Toledo cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 69 (US average = 100).
What is the rent difference between Cincinnati and Toledo?
Median rent in Cincinnati is $953/month and in Toledo it's $880/month — a difference of $73/month.
Which city has higher income, Cincinnati or Toledo?
Median household income is $51,707 in Cincinnati and $47,532 in Toledo. Median household income is $4,175/year higher in Cincinnati.
How do taxes compare between Ohio and Ohio?
Both cities are in Ohio and share the same state tax rates: 3.5% income tax, 5.75% sales tax, and 1.53% property tax.
Should I move to Cincinnati or Toledo?
It depends on your priorities. Cincinnati has a cost index of 69 with median rent of $953/mo, while Toledo has a cost index of 52 with rent of $880/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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