Cleveland vs Toledo
Cost of Living Comparison · 2026
Cleveland
Toledo
The Verdict
Toledo is 13.0% less expensive than Cleveland overall. A household earning $75,000 in Cleveland would need approximately $66,379 in Toledo to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Cleveland has the same purchasing power as $66,379 in Toledo.
Conversely, $75,000 in Toledo equals $84,740 in Cleveland.
Living in Cleveland vs Toledo
Housing Costs
Cleveland's housing index of 59 is higher Toledo's 55, translating to median home prices of $100,000 vs $128,000. The $28,000 difference in home prices means roughly $1,824 per year in additional mortgage costs at current rates. Renters face a similar gap: $900/mo in Cleveland compared to $825/mo in Toledo, a monthly difference of $75.
Grocery & Food Costs
Grocery expenses index at 99 in Cleveland and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $470/month in Cleveland 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 96 in Cleveland and 92 in Toledo. Monthly utility bills average approximately $384 in Cleveland vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 96 in Cleveland and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $32,053 in Cleveland and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $36,843 and $54,805 respectively. Toledo residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $748/month to housing in Cleveland vs $985/month in Toledo. In Cleveland, median rent of $900/mo exceeds this threshold, suggesting renters may feel stretched. In Toledo, median rent of $825/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 12 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases