Lima vs Toledo leftover
You'd keep $153 more a month in Toledo
$2,416/mo leftover in Toledo vs $2,263 in Lima after tax and rent ($153 more). +$1,836 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Lima leftover
$2,263
a month after tax and rent
Toledo leftover
$2,416
+$153 vs Lima
Compare Lima to another metro
Same paycheck. Try a different city next to Lima.
Monthly gap
Lima → Toledo
$153
more / month in Toledo
$2,416 in Toledo · $2,263 in Lima · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 75 households moved Lima → Toledo (avg AGI $37,573). 57 went the other way. The whole move →
+$153 / mo
| Per month | Lima | Toledo | Difference |
|---|---|---|---|
| Gross pay | $6,750 | $6,922 | +$172 |
| Income and payroll tax | $1,563 | $1,623 | +$59 |
| Take-home pay | $5,187 | $5,299 | +$113 |
| Rent | $977 | $953 | −$24 |
| Getting around | $589 | $571 | −$18 |
| Groceries | $375 | $375 | $0 |
| Healthcare | $422 | $422 | $0 |
| Utilities | $234 | $234 | $0 |
| Everything else | $328 | $328 | $0 |
| Left over | $2,263 | $2,416 | +$153 |
To break even in Toledo, you'd need to earn
$80,500
Household gross, versus $81,000 today. That's the salary that leaves you exactly as much at the end of the month as Lima does now.
The tax difference alone
−$98
A year, in state and local income tax. Effective rates: 23.2% in Lima, 23.4% in Toledo.
More about Toledo
Lima, OH in full
State income tax topping out at 3.5%, a median 2-bedroom asking rent of $1,163 and 183 sunny days; commutes average 19 minutes.
Toledo, OH in full
State income tax topping out at 3.5%, a median 2-bedroom asking rent of $1,135 and 178 sunny days; commutes average 21 minutes.
The reverse move
Same two cities, but starting from Toledo on Toledo wages.
Toledo → Lima →Questions
Is the cost of living lower in Toledo than Lima?
A one-bedroom is about $977 in Lima versus $953 in Toledo. On a one-adult, one-bedroom household, leftover is about $153 a month higher in Toledo. Change the job or household on the comparison to see your number.
Does Toledo have state income tax?
Toledo is in Ohio, which taxes wage income, plus a local wage tax of 2.00%.
What changes if you move from Lima to Toledo?
Take-home pay is recalculated under Ohio tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Lima and Toledo moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.