Murfreesboro vs Toledo
Cost of Living Comparison · 2026
Murfreesboro
Toledo
The Verdict
Toledo is 20.8% less expensive than Murfreesboro overall. A household earning $75,000 in Murfreesboro would need approximately $62,097 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 Murfreesboro has the same purchasing power as $62,097 in Toledo.
Conversely, $75,000 in Toledo equals $90,584 in Murfreesboro.
Living in Murfreesboro vs Toledo
Housing Costs
Murfreesboro's housing index of 85 is higher Toledo's 55, translating to median home prices of $325,000 vs $128,000. The $197,000 difference in home prices means roughly $12,804 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Murfreesboro compared to $825/mo in Toledo, a monthly difference of $525.
Grocery & Food Costs
Grocery expenses index at 95 in Murfreesboro and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $451/month in Murfreesboro 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 Murfreesboro and 92 in Toledo. Monthly utility bills average approximately $356 in Murfreesboro vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 96 in Murfreesboro 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 $55,200 in Murfreesboro and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $59,355 and $54,805 respectively. Murfreesboro residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,288/month to housing in Murfreesboro vs $985/month in Toledo. In Murfreesboro, median rent of $1,350/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 30 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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