Killeen vs Toledo
Cost of Living Comparison · 2026
Killeen
Toledo
The Verdict
Living in Toledo costs 9.1% less than Killeen. To match the purchasing power of a $75,000 salary in Killeen, you would need $68,750 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Killeen has the same purchasing power as $68,750 in Toledo.
Conversely, $75,000 in Toledo equals $81,818 in Killeen.
Living in Killeen vs Toledo
Housing Costs
Killeen's housing index of 56 is higher Toledo's 55, translating to median home prices of $235,000 vs $128,000. The $107,000 difference in home prices means roughly $6,960 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Killeen compared to $825/mo in Toledo, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 96 in Killeen and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $456/month in Killeen 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 108 in Killeen and 92 in Toledo. Monthly utility bills average approximately $432 in Killeen vs $368 in Toledo. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 96 in Killeen 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 $56,400 in Killeen and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $67,143 and $54,805 respectively. Killeen residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,316/month to housing in Killeen vs $985/month in Toledo. In Killeen, 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 Utilities, where the gap is 16 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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