Can I Afford to Live in Toledo vs Long Beach on $100K?

Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Toledo, OH
$6,029/mo take-home
Rent: $1,050/mo (17% of take-home)
Very comfortable
Long Beach, CA
$5,546/mo take-home
Rent: $2,400/mo (43% of take-home)
Tight
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Monthly budget breakdown

Toledo
OH
Long Beach
CA
Monthly take-home (est.)
$6,029Best ✓
$5,546
1BR rent
$1,050Best ✓
$2,400
Groceries (est.)
$357Best ✓
$410
Transport (est.)
$58Best ✓
$100
Utilities
$160
$148Best ✓
Internet
$58Best ✓
$68
Left after essentials
$4,346/month
$2,420/month

Frequently asked questions

Is $100K a good salary in Toledo?

At $100K/year in Toledo, your estimated monthly take-home is $6,029. With 1BR rent around $1,050/month, rent takes up 17% of your take-home. That's considered very comfortable.

Is $100K a good salary in Long Beach?

At $100K/year in Long Beach, your estimated monthly take-home is $5,546. With 1BR rent around $2,400/month, rent takes up 43% of your take-home. That's considered tight.

Which city is more affordable on a $100K salary?

Toledo leaves you with more money after core expenses — $4,346/month vs $2,420/month in Long Beach.

Can I afford to live alone in Toledo on $100K?

Yes. At $100K in Toledo, rent takes 17% of your take-home, leaving $4,346/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Toledo vs Long Beach

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See the full cost-of-living comparison

Rent, groceries, taxes, transportation, and more — side by side.

Full comparison

Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only