Toledo, OH vs Chicago, IL
Moving from Toledo to Chicago? Here's what changes — from your equivalent salary to housing ($203,726 → $353,998 median home) and taxes.
Toledo vs Chicago at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Toledo, OH, you'd need about $113,089 in Chicago, IL (+$13,089).
Livability — Toledo, OH: 73 · Chicago, IL: 63 (0–100).
What your home budget buys
A $500,000 home budget gets you about 4,049 sqft in Toledo vs 2,402 sqft in Chicago ($124 vs $208 per sqft).
Annual cost breakdown (at $100,000)
| Category | Toledo, OH | Chicago, IL | Difference |
|---|---|---|---|
| Housing | $15,624 | $27,192 | +$11,568 |
| Groceries | $4,706 | $5,215 | +$509 |
| Transportation | $3,025 | $3,550 | +$525 |
| Utilities | $2,100 | $2,208 | +$108 |
| Insurance | $1,300 | $1,900 | +$600 |
| Taxes | $8,598 | $14,141 | +$5,543 |
| Total | $35,353 | $54,206 | +$18,853 |
Side by side
| Metric | Toledo, OH | Chicago, IL |
|---|---|---|
| Cost-of-living index | 90.6 | 102.5 |
| Unemployment rate | 5.95% | 6.19% |
| Population growth (5-yr) | 6.5% | 0.2% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.16 | $5.83 |
| Median home price | $203,726 | $353,998 |
| Home price ÷ income | 3.3× | 4.2× |
| 1-yr home appreciation | 2.7% | 4.4% |
| Price per square foot | $124 | $208 |
| Median rent | $1,302 | $2,266 |
| Total tax burden (% income) | 10.0% | 12.9% |
| Combined sales tax | 7.24% | 8.86% |
| Capital gains tax | 3.50% | 4.95% |
| Property tax rate | 1.61% | 2.11% |
| Healthcare (annual) | $6,400 | $6,800 |
| Childcare (annual, infant) | $10,000 | $14,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 21 | 31 |
| Home insurance / yr | $1,300 | $1,900 |
| Auto insurance / yr | $1,300 | $1,600 |
| Flood insurance / yr | $600 | $700 |
| Earthquake insurance / yr | $100 | $300 |
| Electricity ¢/kWh | 19.5 | 20.5 |
| Gas $/gal | 3.25 | 3.60 |
| Natural gas / mo | $78 | $82 |
| Water & sewer / mo | $104 | $57 |
| Home internet / mo | $76 | $77 |
| Violent crime /100k | 300 | 430 |
| Avg summer high °F | 85 | 85 |
| Avg winter low °F | 20 | 15 |
| Annual precipitation (in) | 41.0 | 40.9 |
| Annual snowfall (in) | 63.8 | 38.8 |
| Sunshine (% possible) | 49% | 54% |
| Permit difficulty (1–5) | 2 | 4 |