Cost of Living: Toledo, OH vs Cambridge, MA (2026)

Toledo

Ohio
52
VS

Cambridge

Massachusetts
239

Toledo is 78% cheaper than Cambridge.

$880/mo ↓ 68%
Median Rent
$2,742/mo ↑ 212%
$47,532/yr ↓ 62%
Median Income
$126,469/yr ↑ 166%
$107,000 ↓ 90%
Home Value
$1,040,500 ↑ 872%
$856/mo ↓ 68%
Owner Costs
$2,634/mo ↑ 208%
268,461
Population
117,794

Tax Comparison

3.5%
Income Tax
9.0%
5.75%
State Sales Tax
6.25%
1.53%
Property Tax
1.15%

Affordability

22.2%
rent-to-income
Affordability
26.0%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Cambridge, MA, the overall cost of living indices are 52 and 239 respectively (national median = 100). Rent is $1,862/month cheaper in Toledo, saving renters about $22,344/year.

Median household income is $78,937/year higher in Cambridge. Home values also differ significantly — the median in Toledo is $107,000 compared to $1,040,500 in Cambridge.

Ohio has a lower income tax rate, making Toledo slightly more tax-friendly.

Frequently Asked Questions

Toledo vs Cambridge — common questions

Is Toledo or Cambridge cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 239 (US average = 100).
What is the rent difference between Toledo and Cambridge?
Median rent in Toledo is $880/month and in Cambridge it's $2,742/month — a difference of $1,862/month.
Which city has higher income, Toledo or Cambridge?
Median household income is $47,532 in Toledo and $126,469 in Cambridge. Median household income is $78,937/year higher in Cambridge.
How do taxes compare between Ohio and Massachusetts?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Massachusetts has 9.0% income tax, 6.25% sales tax, and 1.15% property tax.
Should I move to Toledo or Cambridge?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Cambridge has a cost index of 239 with rent of $2,742/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Cambridge details →

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