Cost of Living: Toledo, OH vs Garland, TX (2026)

Toledo

Ohio
52
VS

Garland

Texas
96

Toledo is 46% cheaper than Garland.

$880/mo ↓ 42%
Median Rent
$1,525/mo ↑ 73%
$47,532/yr ↓ 36%
Median Income
$74,717/yr ↑ 57%
$107,000 ↓ 57%
Home Value
$248,900 ↑ 133%
$856/mo ↓ 41%
Owner Costs
$1,445/mo ↑ 69%
268,461
Population
245,298

Tax Comparison

3.5%
Income Tax
0%
5.75%
State Sales Tax
6.25%
1.53%
Property Tax
1.6%

Affordability

22.2%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Garland, TX, the overall cost of living indices are 52 and 96 respectively (national median = 100). Rent is $645/month cheaper in Toledo, saving renters about $7,740/year.

Median household income is $27,185/year higher in Garland. Home values also differ significantly — the median in Toledo is $107,000 compared to $248,900 in Garland.

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

Frequently Asked Questions

Toledo vs Garland — common questions

Is Toledo or Garland cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 96 (US average = 100).
What is the rent difference between Toledo and Garland?
Median rent in Toledo is $880/month and in Garland it's $1,525/month — a difference of $645/month.
Which city has higher income, Toledo or Garland?
Median household income is $47,532 in Toledo and $74,717 in Garland. Median household income is $27,185/year higher in Garland.
How do taxes compare between Ohio and Texas?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Toledo or Garland?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Garland details →

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