San Antonio vs Toledo for Nurses (2026)
Scroll down for travel nurse analysis, rent burden, and FAQ.
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Estimated annual swing
+$1,459/yr
Favoring San Antonio for this income & household (illustrative).
With an extra $122/mo in San Antonio, you could max a Roth IRA contribution faster and still grow your savings buffer.
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High-yield savings
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Even $122/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Travel nursing edge
San Antonio: maximize take-home on your next contract
Travel nurses in San Antonio often keep more after housing stipends at 3.5% state tax.
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New state — compare rates before you sign
Moving to San Antonio resets your insurance profile. Bundling home + auto often saves 15–25%.
Nurse salary cost breakdown
| Metric | San Antonio Texas | Toledo Ohio | Your impact |
|---|---|---|---|
| State income tax | NoneBetter | 3.5% | $2,625/yr saves in San |
| Est. monthly take-home ($82.75K RN) | $6,896Better | $6,654 | — |
| 1BR rent / month | $1,100 | $1,050Better | $600/yr saves in Toledo |
| 1BR rent burden | 16%Better | 16% | — |
| Internet / month | $60 | $58Better | — |
| Monthly utilities | $175 | $160Better | $180/yr saves in Toledo |
| Walk score | 36 / 100 | 42 / 100Better | — |
| Overall COL index (100 = US avg) | 87 | 81Better | — |
Your biggest money opportunities based on this comparison.
Nurse tax savings
San Antonio saves ~$241/mo on a nurse salary
No-tax states are especially powerful for nurses and travel nurses. Put that extra take-home in a high-yield savings account.
Savings potential
San Antonio: ~$5,100/mo after rent & living
Nurses with strong take-home can build wealth fast. Compare brokers and robo-advisors to put it to work.
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Mortgages
See what you can afford in Toledo
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Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Toledo homeowners + auto quotes before your move date.
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Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is better for nurses — San Antonio or Toledo?
For nurses, Toledo is the stronger choice based on take-home pay after taxes, rent burden, and cost of living. The key differentiator is state income tax: San Antonio has no state income tax. For travel nurses specifically, no-income-tax states are especially valuable since housing stipends are already tax-exempt — earning more in a no-tax state can be worth $3,000–$6,000/year more in take-home pay.
How much take-home pay does a nurse earn in San Antonio vs Toledo?
Based on the national average RN salary of $82,750/year, a nurse in San Antonio (no state income tax) takes home approximately $6,896/month. In Toledo (3.5% state income tax), take-home is $6,654/month — a difference of $242/month or ~$2,904/year. Note: this calculation uses state income tax only; federal taxes are not included.
What percentage of a nurse's income goes to rent in San Antonio vs Toledo?
Financial advisors recommend keeping housing under 30% of gross income. In San Antonio, rent consumes 16% of a nurse's monthly take-home — very affordable, leaving significant room to save. In Toledo, rent burden is 16% — very affordable.
Is San Antonio or Toledo better for travel nurses?
Travel nurses on assignment typically receive a base wage PLUS a tax-free housing stipend (usually $1,500–$3,000/month) that covers housing costs. For travel nurses, the state income tax on the base wage is the primary cost difference. San Antonio is more advantageous. The housing stipend covers most rent — so the $241/month tax difference goes directly into savings, compounding over a 13-week assignment to $723 extra in take-home.
How does the cost of living affect a nurse's purchasing power in San Antonio vs Toledo?
A $82,750 nurse salary in Toledo (COL 81) has the equivalent purchasing power of $88,880 in San Antonio (COL 87). The lower-cost city effectively gives nurses a ~7% raise with no salary negotiation required — more savings, faster debt payoff, and greater financial flexibility.
Nurse salary based on national median RN wage ($82,750/year, BLS 2024). Take-home calculated using state income tax rate only; federal taxes not included. Travel nurse stipend rules vary by assignment and employer. Data: BLS, Zillow, Tax Foundation · Q1 2026