City comparison
Fresno, CA vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Fresno, CA are 11.7% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $111,700 in Fresno, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,355 a month in Fresno, CA versus $820 in Toledo, OH. On $100,000, that's 22% of take-home pay in Fresno, CA and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $3,103 a year higher in Fresno, CA than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −0.5% moving from Fresno, CA to Toledo, OH ($106,973 → $106,437), while prices change by −10.5%. Net effect of the transfer: +11.1% in real buying power.
- Fresno, CA: price level 102.2 (pricier)
- Toledo, OH: price level 91.5 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Fresno, CA | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.2 | 91.5 |
| $100,000 is worth, in the other city2 | $89,523 in Toledo | $111,703 in Fresno |
| Typical 1-bedroom rent3 | $1,355/mo | $820/mo |
| Take-home on $100,00014,15,8 | $74,110 | $77,212 |
| State income tax on $100,000 (estimate)8 | $5,070 (CA) | $1,968 (OH) |
| Rent burden on $100,000 | 22% | 13% |
| Median pay, all jobs4 | $46,910 | $48,220 |
| Federal locality pay area7 | Fresno-Madera-Hanford, CA | Rest of U.S. |
Rent areas: Fresno, CA HUD Metro FMR Area and Toledo, OH MSA. Metro areas: Fresno, CA and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | Fresno | Toledo |
|---|---|---|
| Housing (rent) | 95.7 | 67.3 |
| Goods | 105.2 | 93.6 |
| Utilities | 161.0 | 96.3 |
| Other services | 100.3 | 98.9 |
| Overall | 102.2 | 91.5 |
Moving with the same $100,000 salary
Fresno, CA → Toledo, OH
Same pay goes further
Buying power +11.7%; rent takes 13% of take-home; state tax −$3,103/yr.
100 Strong offer
Toledo, OH → Fresno, CA
Same pay buys less
Buying power −10.5%; rent takes 22% of take-home; state tax +$3,103/yr.
38 Weak offer
On the GS pay scale?
Fresno, CA is in the Fresno-Madera-Hanford, CA pay area; Toledo, OH is in Rest of U.S.. The last column shows what a transfer from Fresno, CA to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | Fresno, CA | Toledo, OH | Real change, Fresno → Toledo |
|---|---|---|---|
| GS-9 step 1 | $62,033 | $61,722 | +11.1% |
| GS-11 step 1 | $75,055 | $74,678 | +11.1% |
| GS-12 step 1 | $89,959 | $89,508 | +11.1% |
| GS-13 step 1 | $106,973 | $106,437 | +11.1% |
| GS-14 step 1 | $126,410 | $125,776 | +11.1% |
Pay for common jobs
| Median annual pay4 | Fresno, CA | Toledo, OH | Toledo pay in Fresno dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $78,800 | $63,250 | $70,652 (−10.3%) |
| Software Developers | $129,060 | $104,360 | $116,573 (−9.7%) |
| Accountants and Auditors | $78,690 | $77,400 | $86,458 (+9.9%) |
| Registered Nurses | $125,420 | $81,050 | $90,535 (−27.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.