Cost of Living: Toledo, OH vs Chattanooga, TN (2026)

Toledo

Ohio
52
VS

Chattanooga

Tennessee
81

Toledo is 36% cheaper than Chattanooga.

$880/mo ↓ 24%
Median Rent
$1,155/mo ↑ 31%
$47,532/yr ↓ 22%
Median Income
$61,028/yr ↑ 28%
$107,000 ↓ 59%
Home Value
$259,200 ↑ 142%
$856/mo ↓ 23%
Owner Costs
$1,112/mo ↑ 30%
268,461
Population
182,832

Tax Comparison

3.5%
Income Tax
0%
5.75%
State Sales Tax
7.0%
1.53%
Property Tax
0.64%

Affordability

22.2%
rent-to-income
Affordability
22.7%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Chattanooga, TN, the overall cost of living indices are 52 and 81 respectively (national median = 100). Rent is $275/month cheaper in Toledo, saving renters about $3,300/year.

Median household income is $13,496/year higher in Chattanooga. Home values also differ significantly — the median in Toledo is $107,000 compared to $259,200 in Chattanooga.

Tennessee has no state income tax, giving Chattanooga residents a significant tax advantage over Ohio's 3.5% rate.

Frequently Asked Questions

Toledo vs Chattanooga — common questions

Is Toledo or Chattanooga cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 81 (US average = 100).
What is the rent difference between Toledo and Chattanooga?
Median rent in Toledo is $880/month and in Chattanooga it's $1,155/month — a difference of $275/month.
Which city has higher income, Toledo or Chattanooga?
Median household income is $47,532 in Toledo and $61,028 in Chattanooga. Median household income is $13,496/year higher in Chattanooga.
How do taxes compare between Ohio and Tennessee?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax.
Should I move to Toledo or Chattanooga?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Chattanooga has a cost index of 81 with rent of $1,155/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Chattanooga details →

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