Ogden vs Toledo
Cost of Living Comparison · 2026
Ogden
Toledo
The Verdict
The cost gap between these cities is 39.0%, with Toledo being the more affordable option. A $75,000 income in Ogden has equivalent purchasing power to $53,972 in Toledo.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Ogden has the same purchasing power as $53,972 in Toledo.
Conversely, $75,000 in Toledo equals $104,221 in Ogden.
Living in Ogden vs Toledo
Housing Costs
Ogden's housing index of 112 is higher Toledo's 55, translating to median home prices of $385,000 vs $128,000. The $257,000 difference in home prices means roughly $16,704 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,250/mo in Ogden compared to $825/mo in Toledo, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 92 in Ogden and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $437/month in Ogden vs $466/month in Toledo. Ogden offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 80 in Ogden and 92 in Toledo. Monthly utility bills average approximately $320 in Ogden 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 91 in Ogden and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $70,100 in Ogden and $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $65,514 and $54,805 respectively. Ogden residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,636/month to housing in Ogden vs $985/month in Toledo. In Ogden, median rent of $1,250/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 57 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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