Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Toledo, OH

For one person, living is cheaper in Toledo, OH: $1,899 a month against $4,941 in New York, NY, rent and utilities included – about $36,500 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
92

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

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Toledo, OH

🇺🇸 United States

$1,899

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY 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 New York, NY and in Toledo, OH actually costs, broken down by who's living it.

A single person spends $4,941 per month in New York, NY vs $1,899 in Toledo, OH, rent included.

New York, NY $4,941
Toledo, OH $1,899

A couple spends around $7,225 per month in New York, NY vs $2,892 in Toledo, OH, rent included.

New York, NY $7,225
Toledo, OH $2,892

A family of three spends $9,509 per month in New York, NY vs $3,885 in Toledo, OH, rent included.

New York, NY $9,509
Toledo, OH $3,885

New York, NY costs about 160% more than Toledo, OH, and outside of rent the biggest gap is in groceries.

Both New York, NY and Toledo, OH sit above the global median – New York, NY by 263%, Toledo, OH by 40%.

Meal at Budget Restaurant

$28.55 $28.55

$19.64 $19.64

45.37%

Three-Course Dinner for Two, Mid-Range

$118 $118

$66.3 $66.3

78.79%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$9.87 $9.87

52.38%

Cappuccino

$6.53 $6.53

$5.29 $5.29

23.44%

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

$3.96 $3.96

$2.13 $2.13

85.92%

Water (0.33 liter bottle)

$3.01 $3.01

$1.58 $1.58

90.51%

Local Beer (0.5 liter draught)

$8.16 $8.16

$4.99 $4.99

63.53%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$5.07 $5.07

94.08%

Milk (1 liter)

$1.37 $1.37

$0.94 $0.94

45.74%

White Bread (500g)

$4.97 $4.97

$3.33 $3.33

49.25%

Rice (white) (1kg)

$7.81 $7.81

$4.15 $4.15

88.19%

Eggs

$5.97 $5.97

$3.32 $3.32

79.82%

Local Cheese (1kg)

$18.91 $18.91

$11.21 $11.21

68.69%

Chicken Fillets (1kg)

$18.04 $18.04

$10.03 $10.03

79.86%

Beef Round Steak (1kg)

$19.05 $19.05

$16.53 $16.53

15.25%

Apples (1kg)

$6.76 $6.76

$3.43 $3.43

97.08%

Banana (1kg)

$2.27 $2.27

$1.45 $1.45

56.55%

Oranges (1kg)

$6.83 $6.83

$4.45 $4.45

53.48%

Tomato (1kg)

$7.09 $7.09

$3.83 $3.83

85.12%

Potato (1kg)

$4.22 $4.22

$2.58 $2.58

63.57%

Onion (1kg)

$4.65 $4.65

$1.96 $1.96

137.24%

Lettuce (1 head)

$2.87 $2.87

$2.60 $2.60

10.38%

Water (1.5 liter bottle)

$2.60 $2.60

$2.21 $2.21

17.65%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$9.89 $9.89

89.79%

Wine (Bottle)

$20.13 $20.13

$13.44 $13.44

49.78%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$1.95 $1.95

76.92%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$3.04 $3.04

32.24%

One-way Ticket (Public Transport)

$2.91 $2.91

$1.54 $1.54

88.96%

Public Transport Monthly Pass (Regular Price)

$139 $139

$45.57 $45.57

204.85%

Taxi Start (Normal Tariff)

$3.08 $3.08

$2.44 $2.44

26.23%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$2.45 $2.45

-13.47%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$39.64 $39.64

5.85%

Gasoline (1 liter)

$1.17 $1.17

$1.02 $1.02

14.71%

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

$34.5K $34.5K

$31.1K $31.1K

10.94%

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

$25.9K $25.9K

-0.16%

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

$219 $219

$181 $181

21.23%

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

$74.2 $74.2

$61.7 $61.7

20.25%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$64.8 $64.8

8.28%

Gym Membership (Monthly)

$112 $112

$24.19 $24.19

362.79%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

$19.71 $19.71

279.81%

Cinema Ticket

$22.14 $22.14

$12.09 $12.09

83.13%

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

$3,558 $3,558

$1,688 $1,688

110.78%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$14.2K $14.2K

338.73%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$45.52 $45.52

66.10%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$39.79 $39.79

28.68%

Sport Shoes (Adidas, Nike)

$123 $123

$71.1 $71.1

73.17%

Men's Leather Business Shoes

$140 $140

$78.5 $78.5

78.15%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$955 $955

371.29%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$710 $710

333.30%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$1,193 $1,193

692.03%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$1,267 $1,267

309.48%

Buy Apartment in City Center (m2)

$18.1K $18.1K

$1,768 $1,768

924.45%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

$1,303 $1,303

413.72%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$3,434 $3,434

52.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.51

5.38%

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

Last update for New York, NY: October 26, 2026

Last update for Toledo, OH: October 26, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 62.3%

Toledo, OH

$710 37.4% 76.9% $2.4K

Groceries & Markets

New York, NY

$563 11.4%

Toledo, OH

$360 19% 36.1% $203

Eating Out

New York, NY

$440 8.9%

Toledo, OH

$300 15.8% 31.8% $140

Monthly Utilities & Internet

New York, NY

$364 7.4%

Toledo, OH

$308 16.2% 15.5% $56

Clothing & Footwear

New York, NY

$175 3.6%

Toledo, OH

$106 5.6% 39.7% $70

Getting Around

New York, NY

$164 3.3%

Toledo, OH

$66 3.5% 59.6% $98

Sport & Entertainment

New York, NY

$156 3.2%

Toledo, OH

$48 2.6% 69% $108

Cost Breakdown

A central one-bedroom costs $4,499 in New York, NY versus $955 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 52% higher in New York, NY, 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 $118 in New York, NY versus $66 in Toledo, OH. Monthly groceries follow the same trend: $563 vs $360 – making Toledo, OH the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Toledo, OH

🕒 Local time

16:51 4:51 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

268,508

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

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Between locations

New York, NY Toledo, OH 790 km ≈ 1 h 30 min nonstop flight

From you

New York, NY
Toledo, OH

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

New York, NY vs Toledo, OH: Cost of Living - Frequently Asked Questions

New York, NY costs about 160% more than Toledo, OH, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,412 per month in New York, NY and $2,848 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: a one-bedroom in the center costs $955 there versus $4,499 in New York, NY.

Kindergarten costs $3,558 per month in New York, NY and $1,688 in Toledo, OH. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 56% more in New York, NY, though the gap depends on what you buy.

A $2,500 monthly budget goes further in Toledo, OH, where all-in costs run around $1,899, than in New York, NY at $4,941. In Toledo, OH it covers expenses comfortably, while in New York, NY 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 or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.