Cost of Living: Toledo, OH vs Naperville, IL (2026)

Toledo

Ohio
52
VS

Naperville

Illinois
147

Toledo is 65% cheaper than Naperville.

$880/mo ↓ 52%
Median Rent
$1,852/mo ↑ 110%
$47,532/yr ↓ 69%
Median Income
$150,937/yr ↑ 218%
$107,000 ↓ 79%
Home Value
$509,900 ↑ 377%
$856/mo ↓ 60%
Owner Costs
$2,161/mo ↑ 152%
268,461
Population
149,424

Tax Comparison

3.5%
Income Tax
4.95%
5.75%
State Sales Tax
6.25%
1.53%
Property Tax
2.07%

Affordability

22.2%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Toledo, OH and Naperville, IL, the overall cost of living indices are 52 and 147 respectively (national median = 100). Rent is $972/month cheaper in Toledo, saving renters about $11,664/year.

Median household income is $103,405/year higher in Naperville. Home values also differ significantly — the median in Toledo is $107,000 compared to $509,900 in Naperville.

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

Frequently Asked Questions

Toledo vs Naperville — common questions

Is Toledo or Naperville cheaper to live in?
Based on our cost index, Toledo is cheaper to live in with an index of 52 compared to 147 (US average = 100).
What is the rent difference between Toledo and Naperville?
Median rent in Toledo is $880/month and in Naperville it's $1,852/month — a difference of $972/month.
Which city has higher income, Toledo or Naperville?
Median household income is $47,532 in Toledo and $150,937 in Naperville. Median household income is $103,405/year higher in Naperville.
How do taxes compare between Ohio and Illinois?
Ohio has 3.5% income tax, 5.75% sales tax, and 1.53% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Toledo or Naperville?
It depends on your priorities. Toledo has a cost index of 52 with median rent of $880/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Toledo details → View Naperville details →

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