Amarillo vs Toledo
Cost of Living Comparison · 2026
Amarillo
Toledo
The Verdict
Living in Amarillo costs 3.9% less than Toledo. To match the purchasing power of a $75,000 salary in Amarillo, you would need $78,041 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Amarillo has the same purchasing power as $78,041 in Toledo.
Conversely, $75,000 in Toledo equals $72,078 in Amarillo.
Living in Amarillo vs Toledo
Housing Costs
Amarillo's housing index of 59 is higher Toledo's 55, translating to median home prices of $195,000 vs $128,000. The $67,000 difference in home prices means roughly $4,356 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $825/mo in Toledo, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $466/month in Toledo. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 92 in Toledo. Monthly utility bills average approximately $376 in Amarillo vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Amarillo and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 20-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $58,500 in Amarillo and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $54,805 respectively. Amarillo residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $985/month in Toledo. In Amarillo, median rent of $975/mo fits within this budget. In Toledo, median rent of $825/mo remains manageable. The biggest category-level difference between these two cities is Transportation, where the gap is 26 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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