Toledo vs Tyler
Cost of Living Comparison · 2026
Toledo
Tyler
The Verdict
Living in Toledo costs 9.4% less than Tyler. To match the purchasing power of a $75,000 salary in Toledo, you would need $82,792 in Tyler.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Toledo has the same purchasing power as $82,792 in Tyler.
Conversely, $75,000 in Tyler equals $67,941 in Toledo.
Living in Toledo vs Tyler
Housing Costs
Toledo's housing index of 55 is lower Tyler's 69, translating to median home prices of $128,000 vs $250,000. The $122,000 difference in home prices means roughly $7,932 per year in additional mortgage costs at current rates. Renters face a similar gap: $825/mo in Toledo compared to $1,075/mo in Tyler, a monthly difference of $250.
Grocery & Food Costs
Grocery expenses index at 98 in Toledo and 96 in Tyler. A household spending the national average of $475/month on groceries would pay approximately $466/month in Toledo vs $456/month in Tyler. 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 92 in Toledo and 97 in Tyler. Monthly utility bills average approximately $368 in Toledo vs $388 in Tyler. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 84 in Toledo and 93 in Tyler. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $42,200 in Toledo and $54,800 in Tyler. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $54,805 and $64,471 respectively. Tyler residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $985/month to housing in Toledo vs $1,279/month in Tyler. In Toledo, median rent of $825/mo fits within this budget. In Tyler, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 14 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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