Fort Worth vs Toledo for Remote Workers (2026)
Scroll down for internet costs, SF savings estimate, and FAQ.
Remote work cost breakdown
| Metric | Fort Worth Texas | Toledo Ohio |
|---|---|---|
| Overall COL index (100 = US avg) | 91 | 81Better |
| State income tax | None (0%)Better | 3.5% |
| 1BR rent / month | $1,400 | $1,050Better |
| Internet / month | $68 | $58Better |
| Walk score (0–100) | 28 / 100 | 42 / 100Better |
| Monthly utilities | $180 | $160Better |
| Sales tax (combined) | 8.3% | 7.2%Better |
| Est. monthly savings vs SF | +$5,309 | +$5,825Better |
Frequently asked questions
Is Fort Worth or Toledo better for remote workers?
For remote workers, Toledo edges ahead on overall cost of living, internet costs, and taxes. The no-state-income-tax advantage in Fort Worth is particularly valuable for remote workers with high salaries. The best choice depends on your priorities — cost vs walkability vs community.
How much money can I save working remotely in Fort Worth vs staying in San Francisco?
If you earn $120K remotely and relocate from San Francisco (COL index 194) to Fort Worth (COL index 91), you'd save approximately $5,309/month on equivalent purchasing power — or about $63,708/year. This doesn't account for potential salary adjustments.
What is internet service like in Fort Worth vs Toledo?
Median monthly internet costs are $68 in Fort Worth and $58 in Toledo. Both cities have competitive broadband options suitable for remote work, including gigabit fiber in most areas.
Can I negotiate a remote salary if I move from a high-cost city to Fort Worth or Toledo?
Many employers now use location-based pay. Moving from a top-tier city to Fort Worth could trigger a salary adjustment. Even at 85% of a $150K SF salary ($127.5K), the lower COL in Fort Worth or Toledo typically means significantly higher purchasing power and take-home after local taxes.
Which city has better walkability for remote workers who don't need to commute?
Toledo has a higher walk score (42 vs 28), meaning more errands, coffee shops, and restaurants are reachable on foot — a big quality-of-life factor when you're home all day. Walk scores above 70 are considered "very walkable."
$100K in Fort Worth has the same purchasing power as $89K in Toledo
SF savings estimate based on COL index vs San Francisco (194). Actual savings depend on lifestyle and salary adjustments. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026