Boise vs Toledo
Cost of Living Comparison · 2026
Boise
Toledo
The Verdict
The cost gap between these cities is 37.7%, with Toledo being the more affordable option. A $75,000 income in Boise has equivalent purchasing power to $54,481 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Boise has the same purchasing power as $54,481 in Toledo.
Conversely, $75,000 in Toledo equals $103,247 in Boise.
Living in Boise vs Toledo
Housing Costs
Boise's housing index of 118 is higher Toledo's 55, translating to median home prices of $420,000 vs $128,000. The $292,000 difference in home prices means roughly $18,984 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Boise compared to $825/mo in Toledo, a monthly difference of $575.
Grocery & Food Costs
Grocery expenses index at 99 in Boise and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $470/month in Boise vs $466/month in Toledo. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 89 in Boise and 92 in Toledo. Monthly utility bills average approximately $356 in Boise vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 98 in Boise and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 14-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $60,818 in Boise and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,375 and $54,805 respectively. Boise residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,419/month to housing in Boise vs $985/month in Toledo. In Boise, median rent of $1,400/mo fits within this budget. In Toledo, median rent of $825/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 63 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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