Toledo vs St. Louis for Families (2026)
Scroll down for childcare estimates, home price-to-income ratios, and FAQ.
Full family cost breakdown
| Metric | Toledo Ohio | St. Louis Missouri |
|---|---|---|
| Studio rent / month | $850Better | $1,050 |
| 2BR rent / month | $1,400Better | $1,700 |
| Median home price | $180KBetter | $230K |
| Median household income | $46K | $54KBetter |
| Est. childcare / month | $1,053Better | $1,131 |
| State income tax | 3.5%Better | 4.7% |
| Sales tax (combined) | 7.2%Better | 8.6% |
| Monthly utilities | $160Better | $162 |
| Groceries index (US = 100) | 94Better | 97 |
Frequently asked questions
Which city is better for raising a family — Toledo or St. Louis?
Based on housing costs, income, taxes, and overall affordability, Toledo scores better for families. 2-bedroom rent is $1,400/mo in Toledo vs $1,700/mo. Toledo is approximately 7% cheaper overall. That said, both cities have strong family communities — the right choice depends on your career, lifestyle, and proximity to family.
What is the average 2-bedroom rent in Toledo vs St. Louis?
As of Q1 2026, median 2BR rent is $1,400/month in Toledo and $1,700/month in St. Louis. Toledo is 18% cheaper for a family-sized apartment.
Can a family afford to buy a home in Toledo or St. Louis?
The price-to-income ratio in Toledo is 3.9× ($180K median home, $46K median income). In St. Louis it's 4.3× ($230K home, $54K income). A ratio below 3× is generally considered affordable — Toledo is more achievable for first-time family homebuyers.
How much does childcare cost in Toledo vs St. Louis?
Estimated infant/toddler childcare runs approximately $1,053/month in Toledo and $1,131/month in St. Louis, based on national averages scaled by each city's cost-of-living index. Annual childcare cost difference: ~$936/year.
Which city has lower taxes for families?
Toledo has a 3.5% state income tax rate vs St. Louis's 4.7% rate. For a dual-income family earning $120K combined, that difference is roughly $120/month in take-home pay.
$100K in Toledo has the same purchasing power as $107K in St. Louis
Childcare estimates based on national avg scaled by COL index · Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026