Modesto vs Toledo
Cost of Living Comparison · 2026
Modesto
Toledo
The Verdict
Living in Toledo costs 45.5% less than Modesto. To match the purchasing power of a $75,000 salary in Modesto, you would need $51,563 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Modesto has the same purchasing power as $51,563 in Toledo.
Conversely, $75,000 in Toledo equals $109,091 in Modesto.
Living in Modesto vs Toledo
Housing Costs
Modesto's housing index of 121 is higher Toledo's 55, translating to median home prices of $380,000 vs $128,000. The $252,000 difference in home prices means roughly $16,380 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Modesto compared to $825/mo in Toledo, a monthly difference of $575.
Grocery & Food Costs
Grocery expenses index at 100 in Modesto and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $475/month in Modesto 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 Modesto and 92 in Toledo. Monthly utility bills average approximately $432 in Modesto 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 100 in Modesto and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 16-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,138 in Modesto and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,230 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 $1,287/month to housing in Modesto vs $985/month in Toledo. In Modesto, median rent of $1,400/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 Housing, where the gap is 66 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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