Nampa vs Toledo
Cost of Living Comparison · 2026
Nampa
Toledo
The Verdict
Living in Toledo costs 36.4% less than Nampa. To match the purchasing power of a $75,000 salary in Nampa, you would need $55,000 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Nampa has the same purchasing power as $55,000 in Toledo.
Conversely, $75,000 in Toledo equals $102,273 in Nampa.
Living in Nampa vs Toledo
Housing Costs
Nampa's housing index of 104 is higher Toledo's 55, translating to median home prices of $371,000 vs $128,000. The $243,000 difference in home prices means roughly $15,792 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Nampa compared to $825/mo in Toledo, a monthly difference of $675.
Grocery & Food Costs
Grocery expenses index at 105 in Nampa and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $499/month in Nampa vs $466/month in Toledo. Toledo offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 83 in Nampa and 92 in Toledo. Monthly utility bills average approximately $332 in Nampa vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 102 in Nampa and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $74,300 in Nampa and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,762 and $54,805 respectively. Nampa residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,734/month to housing in Nampa vs $985/month in Toledo. In Nampa, median rent of $1,500/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 49 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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