Toledo vs Lima leftover
Moving to Lima costs you $154 a month
$2,259/mo leftover in Lima vs $2,413 in Toledo after tax and rent ($154 less). −$1,848 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Toledo leftover
$2,413
a month after tax and rent
Lima leftover
$2,259
−$154 vs Toledo
Compare Toledo to another metro
Same paycheck. Try a different city next to Toledo.
Monthly gap
Toledo → Lima
$154
less / month in Toledo
$2,259 in Lima · $2,413 in Toledo · 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, 57 households moved Toledo → Lima (avg AGI $46,123). 75 went the other way. The whole move →
−$154 / mo
| Per month | Toledo | Lima | Difference |
|---|---|---|---|
| Gross pay | $6,917 | $6,745 | −$172 |
| Income and payroll tax | $1,621 | $1,562 | −$59 |
| Take-home pay | $5,296 | $5,183 | −$113 |
| Rent | $953 | $977 | +$24 |
| Getting around | $571 | $589 | +$18 |
| Groceries | $375 | $375 | $0 |
| Healthcare | $422 | $422 | $0 |
| Utilities | $234 | $234 | $0 |
| Everything else | $328 | $328 | $0 |
| Left over | $2,413 | $2,259 | −$154 |
To break even in Lima, you'd need to earn
$84,000
Household gross, versus $83,000 today. That's the salary that leaves you exactly as much at the end of the month as Toledo does now.
The tax difference alone
+$98
A year, in state and local income tax. Effective rates: 23.4% in Toledo, 23.2% in Lima.
More about Lima
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.
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.
The reverse move
Same two cities, but starting from Lima on Lima wages.
Lima → Toledo →Questions
Is the cost of living lower in Lima than Toledo?
A one-bedroom is about $953 in Toledo versus $977 in Lima. On a one-adult, one-bedroom household, leftover is about $154 a month lower in Lima. Change the job or household on the comparison to see your number.
Does Lima have state income tax?
Lima is in Ohio, which taxes wage income, plus a local wage tax of 2.00%.
What changes if you move from Toledo to Lima?
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 Toledo and Lima 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.