City comparison
Gainesville, FL vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Gainesville, FL are 5.8% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $105,800 in Gainesville, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,246 a month in Gainesville, FL versus $820 in Toledo, OH. On $100,000, that's 19% of take-home pay in Gainesville, FL and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $1,968 a year higher in Toledo, OH than in Gainesville, FL.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Gainesville, FL to Toledo, OH changes real buying power by +5.8%, purely from prices.
- Gainesville, FL: price level 96.7 (cheaper)
- 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
| Gainesville, FL | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 96.7 | 91.5 |
| $100,000 is worth, in the other city2 | $94,544 in Toledo | $105,771 in Gainesville |
| Typical 1-bedroom rent3 | $1,246/mo | $820/mo |
| Take-home on $100,00014,15,8 | $79,180 | $77,212 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $1,968 (OH) |
| Rent burden on $100,000 | 19% | 13% |
| Median pay, all jobs4 | $47,020 | $48,220 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Gainesville, FL HUD Metro FMR Area and Toledo, OH MSA. Metro areas: Gainesville, FL and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | Gainesville | Toledo |
|---|---|---|
| Housing (rent) | 93.0 | 67.3 |
| Goods | 96.2 | 93.6 |
| Utilities | 88.2 | 96.3 |
| Other services | 98.9 | 98.9 |
| Overall | 96.7 | 91.5 |
Moving with the same $100,000 salary
Gainesville, FL → Toledo, OH
Same pay goes further
Buying power +5.8%; rent takes 13% of take-home; state tax +$1,968/yr.
87 Strong offer
Toledo, OH → Gainesville, FL
Same pay buys less
Buying power −5.5%; rent takes 19% of take-home; state tax −$1,968/yr.
52 Fair offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Gainesville, FL to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | Gainesville, FL | Toledo, OH | Real change, Gainesville → Toledo |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +5.8% |
| GS-11 step 1 | $74,678 | $74,678 | +5.8% |
| GS-12 step 1 | $89,508 | $89,508 | +5.8% |
| GS-13 step 1 | $106,437 | $106,437 | +5.8% |
| GS-14 step 1 | $125,776 | $125,776 | +5.8% |
Pay for common jobs
| Median annual pay4 | Gainesville, FL | Toledo, OH | Toledo pay in Gainesville dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $56,430 | $63,250 | $66,900 (+18.6%) |
| Software Developers | $122,950 | $104,360 | $110,383 (−10.2%) |
| Accountants and Auditors | $75,820 | $77,400 | $81,867 (+8.0%) |
| Registered Nurses | $81,870 | $81,050 | $85,728 (+4.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.