Cost of Living: Toledo, OH vs Clearwater, FL (2026)

Toledo

Ohio
52
VS

Clearwater

Florida
105

Toledo is 50% cheaper than Clearwater.

$880/mo ↓ 43%
Median Rent
$1,539/mo ↑ 75%
$47,532/yr ↓ 26%
Median Income
$64,440/yr ↑ 36%
$107,000 ↓ 67%
Home Value
$326,100 ↑ 205%
$856/mo ↓ 39%
Owner Costs
$1,411/mo ↑ 65%
268,461
Population
117,075

Tax Comparison

3.5%
Income Tax
0%
5.75%
State Sales Tax
6.0%
1.53%
Property Tax
0.86%

Affordability

22.2%
rent-to-income
Affordability
28.7%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Clearwater, FL, the overall cost of living indices are 52 and 105 respectively (national median = 100). Rent is $659/month cheaper in Toledo, saving renters about $7,908/year.

Median household income is $16,908/year higher in Clearwater. Home values also differ significantly — the median in Toledo is $107,000 compared to $326,100 in Clearwater.

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

Frequently Asked Questions

Toledo vs Clearwater — common questions

Is Toledo or Clearwater cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 105 (US average = 100).
What is the rent difference between Toledo and Clearwater?
Median rent in Toledo is $880/month and in Clearwater it's $1,539/month — a difference of $659/month.
Which city has higher income, Toledo or Clearwater?
Median household income is $47,532 in Toledo and $64,440 in Clearwater. Median household income is $16,908/year higher in Clearwater.
How do taxes compare between Ohio and Florida?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Toledo or Clearwater?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Clearwater has a cost index of 105 with rent of $1,539/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Clearwater details →

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