Last update: Oct 2026

Cost of Living Comparison Between Cincinnati, OH and Toledo, OH

For one person, living is cheaper in Toledo, OH: $1,887 a month against $2,323 in Cincinnati, OH, rent and utilities included – about $5,200 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Cincinnati, OH
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Cincinnati, OH Living Index
91

Cost of Living Index in Toledo, OH
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Toledo, OH Living Index

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Cincinnati, OH

🇺🇸 United States

$2,323

/mo nomad

Toledo, OH

🇺🇸 United States

$1,887

/mo nomad

Monthly Cost of Living

How much you'll spend in Cincinnati, OH and in Toledo, OH

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cincinnati, OH and in Toledo, OH actually costs, broken down by who's living it.

A single person spends $2,323 per month in Cincinnati, OH vs $1,887 in Toledo, OH, rent included.

Cincinnati, OH $2,323
Toledo, OH $1,887

A couple spends around $3,448 per month in Cincinnati, OH vs $2,905 in Toledo, OH, rent included.

Cincinnati, OH $3,448
Toledo, OH $2,905

A family of three spends $4,573 per month in Cincinnati, OH vs $3,923 in Toledo, OH, rent included.

Cincinnati, OH $4,573
Toledo, OH $3,923

Cincinnati, OH costs about 23% more than Toledo, OH, and outside of rent the biggest gap is in transport.

Both Cincinnati, OH and Toledo, OH sit above the global median – Cincinnati, OH by 72%, Toledo, OH by 40%.

Meal at Budget Restaurant

$15.17 $15.17

$20.02 $20.02

-24.23%

Three-Course Dinner for Two, Mid-Range

$51.0 $51.0

$64.7 $64.7

-21.18%

Fast Food Meal (McDonalds, etc)

$9.90 $9.90

$9.95 $9.95

-0.50%

Cappuccino

$5.00 $5.00

$5.52 $5.52

-9.42%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.30 $2.30

$2.13 $2.13

7.98%

Water (0.33 liter bottle)

$1.65 $1.65

$1.59 $1.59

3.77%

Local Beer (0.5 liter draught)

$5.39 $5.39

$5.06 $5.06

6.52%

Imported Beer (0.33 liter bottle)

$7.52 $7.52

$5.13 $5.13

46.59%

Milk (1 liter)

$0.93 $0.93

$0.94 $0.94

-1.06%

White Bread (500g)

$3.35 $3.35

$3.34 $3.34

0.30%

Rice (white) (1kg)

$3.98 $3.98

$4.18 $4.18

-4.78%

Eggs

$4.22 $4.22

$3.25 $3.25

29.85%

Local Cheese (1kg)

$12.72 $12.72

$11.25 $11.25

13.07%

Chicken Fillets (1kg)

$11.24 $11.24

$9.99 $9.99

12.51%

Beef Round Steak (1kg)

$15.99 $15.99

$16.19 $16.19

-1.24%

Apples (1kg)

$5.82 $5.82

$3.41 $3.41

70.67%

Banana (1kg)

$1.58 $1.58

$1.43 $1.43

10.49%

Oranges (1kg)

$4.23 $4.23

$4.45 $4.45

-4.94%

Tomato (1kg)

$4.68 $4.68

$3.83 $3.83

22.19%

Potato (1kg)

$2.54 $2.54

$2.60 $2.60

-2.31%

Onion (1kg)

$3.25 $3.25

$1.97 $1.97

64.97%

Lettuce (1 head)

$2.02 $2.02

$2.53 $2.53

-20.16%

Water (1.5 liter bottle)

$1.91 $1.91

$2.19 $2.19

-12.79%

Cigarettes 20 Pack (Marlboro, Camel)

$10.55 $10.55

$10.08 $10.08

4.66%

Wine (Bottle)

$15.26 $15.26

$13.24 $13.24

15.26%

Local Beer (0.5 liter bottle)

$2.12 $2.12

$1.94 $1.94

9.28%

Imported Beer (0.33 liter bottle)

$2.94 $2.94

$3.03 $3.03

-2.97%

One-way Ticket (Public Transport)

$2.71 $2.71

$1.26 $1.26

115.08%

Public Transport Monthly Pass (Regular Price)

$104 $104

$57.2 $57.2

82.61%

Taxi Start (Normal Tariff)

$3.70 $3.70

$2.49 $2.49

48.59%

Taxi (Normal Tariff) (1km)

$1.22 $1.22

$2.54 $2.54

-51.97%

Taxi 1hour Waiting (Normal Tariff)

$25.26 $25.26

$39.45 $39.45

-35.97%

Gasoline (1 liter)

$1.10 $1.10

$1.02 $1.02

7.84%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.6K $35.6K

$36.1K $36.1K

-1.30%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.1K $25.1K

$25.8K $25.8K

-2.74%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$151 $151

$178 $178

-15.30%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$76.1 $76.1

$60.9 $60.9

24.94%

Internet (50+ Mbps, Unlimited Data)

$72.6 $72.6

$65.2 $65.2

11.28%

Gym Membership (Monthly)

$35.88 $35.88

$30.75 $30.75

16.68%

Tennis Court (1 Hour on Weekend)

$13.95 $13.95

$19.73 $19.73

-29.30%

Cinema Ticket

$15.10 $15.10

$12.21 $12.21

23.67%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,465 $1,465

$1,673 $1,673

-12.40%

International Primary School, 1 Child (Yearly)

$19.4K $19.4K

$14.3K $14.3K

35.44%

Jeans (Levis 501 Or Similar)

$45.76 $45.76

$45.21 $45.21

1.22%

Summer Dress (H&M, Zara, etc)

$44.95 $44.95

$40.28 $40.28

11.59%

Sport Shoes (Adidas, Nike)

$86.0 $86.0

$72.1 $72.1

19.16%

Men's Leather Business Shoes

$110 $110

$79.2 $79.2

38.46%

1-bedroom Apartment, City Center (Monthly)

$1,521 $1,521

$897 $897

69.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,045 $1,045

$679 $679

53.99%

3-bedroom Apartment, City Center (Monthly)

$3,272 $3,272

$1,274 $1,274

156.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,821 $1,821

$1,271 $1,271

43.24%

Buy Apartment in City Center (m2)

$3,403 $3,403

$1,561 $1,561

117.95%

Buy Apartment Outside City Center (m2)

$2,074 $2,074

$1,556 $1,556

33.28%

Average Monthly Net Salary (After Tax)

$4,137 $4,137

$3,215 $3,215

28.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

6.51

1.23%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Cincinnati, OH: October 11, 2026

Last update for Toledo, OH: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Cincinnati, OH

$1K 45%

Toledo, OH

$679 36% 35.1% $366

Groceries & Markets

Cincinnati, OH

$389 16.8%

Toledo, OH

$358 19% 8% $31

Monthly Utilities & Internet

Cincinnati, OH

$300 12.9%

Toledo, OH

$305 16.1% 1.6% $4.8

Eating Out

Cincinnati, OH

$269 11.6%

Toledo, OH

$307 16.3% 14.1% $38

Clothing & Footwear

Cincinnati, OH

$129 5.6%

Toledo, OH

$107 5.7% 17.3% $22

Getting Around

Cincinnati, OH

$125 5.4%

Toledo, OH

$77 4.1% 38.1% $48

Sport & Entertainment

Cincinnati, OH

$66 2.8%

Toledo, OH

$55 2.9% 16.5% $11

Cost Breakdown

A central one-bedroom costs $1,521 in Cincinnati, OH versus $897 in Toledo, OH. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 29% higher in Cincinnati, OH, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $51.0 in Cincinnati, OH versus $65.0 in Toledo, OH. Groceries tell a different story – $389 in Cincinnati, OH vs $358 in Toledo, OH – so Toledo, OH wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Cincinnati, OH

🇺🇸 Toledo, OH

🕒 Local time

16:33 4:33 PM

Same time as Cincinnati, OH

🌤 Weather

👥 Population

298,800

268,508

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Cincinnati, OH Toledo, OH 300 km

From you

Cincinnati, OH
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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Cincinnati, OH vs Toledo, OH: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,323 in Cincinnati, OH, $1,887 in Toledo, OH – roughly 23% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,484 per month in Cincinnati, OH and $2,830 in Toledo, OH. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toledo, OH, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,323 in Cincinnati, OH and $1,887 in Toledo, OH. That's a gap of about 23%.

Public transport costs about 83% less in Toledo, OH. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Toledo, OH, where all-in costs run around $1,887, than in Cincinnati, OH at $2,323. In Toledo, OH it covers expenses comfortably, while in Cincinnati, OH it requires careful planning or may not stretch far enough.

Families tend to lean toward Toledo, OH – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Toledo, OH. If higher salaries, better infrastructure, or specific career opportunities are the priority, Cincinnati, OH makes more sense. Both are solid long-term options with distinct trade-offs.