Cost of Living: Toledo, OH vs Modesto, CA (2026)

Toledo

Ohio
52
VS

Modesto

California
120

Toledo is 57% cheaper than Modesto.

$880/mo ↓ 45%
Median Rent
$1,609/mo ↑ 83%
$47,532/yr ↓ 39%
Median Income
$77,899/yr ↑ 64%
$107,000 ↓ 74%
Home Value
$415,600 ↑ 288%
$856/mo ↓ 47%
Owner Costs
$1,613/mo ↑ 88%
268,461
Population
218,614

Tax Comparison

3.5%
Income Tax
13.3%
5.75%
State Sales Tax
7.25%
1.53%
Property Tax
0.71%

Affordability

22.2%
rent-to-income
Affordability
24.8%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Modesto, CA, the overall cost of living indices are 52 and 120 respectively (national median = 100). Rent is $729/month cheaper in Toledo, saving renters about $8,748/year.

Median household income is $30,367/year higher in Modesto. Home values also differ significantly — the median in Toledo is $107,000 compared to $415,600 in Modesto.

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

Frequently Asked Questions

Toledo vs Modesto — common questions

Is Toledo or Modesto cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 120 (US average = 100).
What is the rent difference between Toledo and Modesto?
Median rent in Toledo is $880/month and in Modesto it's $1,609/month — a difference of $729/month.
Which city has higher income, Toledo or Modesto?
Median household income is $47,532 in Toledo and $77,899 in Modesto. Median household income is $30,367/year higher in Modesto.
How do taxes compare between Ohio and California?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Toledo or Modesto?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Modesto has a cost index of 120 with rent of $1,609/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Modesto details →

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