Toledo wins overall by ~6% (COL index)
Cost of living: Oklahoma City vs Toledo (2026)
A $60,000 salary in Oklahoma City buys roughly what $56,512 does in Toledo (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$1,686/yr
Favoring Toledo for this income & household (illustrative).
With an extra $140/mo in Toledo, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Oklahoma City Oklahoma | Toledo Ohio | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $900 | $850Better | Toledo wins −$50/mo | $600/yr saves in Toledo |
| 1BR rent/mo | $1,100 | $1,050Better | Toledo wins −$50/mo | $600/yr saves in Toledo |
| 2BR rent/mo | $1,400Better | $1,400 | — | — |
| Median home price | $225K | $180KWins | Toledo wins −$45K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 93Better | 94 | Oklahoma wins +1 | — |
| Budget meal (1 person) | $11Better | $11 | — | — |
| Mid-range dinner (2) | $48Better | $48 | — | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $50Wins | $58 | Oklahoma wins +$8/mo | — |
| Gas price/gal | $2.95Better | $3.10 | Oklahoma wins +$0.15 | — |
| Car insurance/mo | $155 | $148Better | Toledo wins −$7/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $175 | $160Better | Toledo wins −$15/mo | — |
| Internet/mo | $55Better | $58 | Oklahoma wins +$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $54KWins | $46K | Oklahoma wins −$8K more/yr | — |
| State income tax% | 4.8% | 3.5%Wins | Toledo wins -1.3 pp | $780/yr saves in Toledo |
| Sales tax (combined)% | 8.6% | 7.2%Wins | Toledo wins -1.4 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $13.00Better | $13.00 | — | — |
| Gym membership/mo | $30Better | $33 | Oklahoma wins +$3/mo | — |
| Beer at restaurant | $5.00Better | $5.00 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 86 | 81Better | Toledo wins -5 | — |
| Walk score / 100 | 27 | 42Wins | Toledo wins +15 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Toledo fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Toledo.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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While you’re comparing — don’t leave money on the table.
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Frequently asked questions
Is Oklahoma City cheaper than Toledo?
No. Toledo is 6% cheaper than Oklahoma City based on overall cost of living indices (81 vs 86, where 100 = US average).
What is the average rent in Oklahoma City vs Toledo?
As of Q1 2026, the median 1-bedroom rent in Oklahoma City is $1,100/month and in Toledo is $1,050/month. Oklahoma City is more expensive by 5%.
How much do I need to earn in Toledo to match a $75,000 salary in Oklahoma City?
To maintain a similar lifestyle, you would need approximately $70,640/year in Toledo to match a $75,000 salary in Oklahoma City. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Oklahoma City or Toledo?
Toledo has the lower state income tax rate at 3.5% vs 4.8%. The difference is 1.3 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Oklahoma City to Toledo?
It depends on your priorities. Toledo offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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