City comparison
New Haven, CT vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in New Haven, CT are 14.3% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $114,300 in New Haven, CT to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,591 a month in New Haven, CT versus $820 in Toledo, OH. On $100,000, that's 25% of take-home pay in New Haven, CT and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $1,957 a year higher in New Haven, CT than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −15.1% moving from New Haven, CT to Toledo, OH ($125,431 → $106,437), while prices change by −12.5%. Net effect of the transfer: −3.0% in real buying power.
- New Haven, CT: price level 104.6 (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
| New Haven, CT | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.6 | 91.5 |
| $100,000 is worth, in the other city2 | $87,467 in Toledo | $114,328 in New Haven |
| Typical 1-bedroom rent3 | $1,591/mo | $820/mo |
| Take-home on $100,00014,15,8 | $75,255 | $77,212 |
| State income tax on $100,000 (estimate)8 | $3,925 (CT) | $1,968 (OH) |
| Rent burden on $100,000 | 25% | 13% |
| Median pay, all jobs4 | $60,060 | $48,220 |
| Federal locality pay area7 | New York-Newark, NY-NJ-CT-PA | Rest of U.S. |
Rent areas: New Haven, CT MSA and Toledo, OH MSA. Metro areas: New Haven, CT and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | New Haven | Toledo |
|---|---|---|
| Housing (rent) | 124.3 | 67.3 |
| Goods | 97.3 | 93.6 |
| Utilities | 144.8 | 96.3 |
| Other services | 102.7 | 98.9 |
| Overall | 104.6 | 91.5 |
Moving with the same $100,000 salary
New Haven, CT → Toledo, OH
Same pay goes further
Buying power +14.3%; rent takes 13% of take-home; state tax −$1,957/yr.
100 Strong offer
Toledo, OH → New Haven, CT
Same pay buys less
Buying power −12.5%; rent takes 25% of take-home; state tax +$1,957/yr.
37 Weak offer
On the GS pay scale?
New Haven, CT is in the New York-Newark, NY-NJ-CT-PA pay area; Toledo, OH is in Rest of U.S.. The last column shows what a transfer from New Haven, CT to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | New Haven, CT | Toledo, OH | Real change, New Haven → Toledo |
|---|---|---|---|
| GS-9 step 1 | $72,737 | $61,722 | −3.0% |
| GS-11 step 1 | $88,005 | $74,678 | −3.0% |
| GS-12 step 1 | $105,481 | $89,508 | −3.0% |
| GS-13 step 1 | $125,431 | $106,437 | −3.0% |
| GS-14 step 1 | $148,222 | $125,776 | −3.0% |
Pay for common jobs
| Median annual pay4 | New Haven, CT | Toledo, OH | Toledo pay in New Haven dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $79,820 | $63,250 | $72,313 (−9.4%) |
| Software Developers | $133,040 | $104,360 | $119,313 (−10.3%) |
| Accountants and Auditors | $94,960 | $77,400 | $88,490 (−6.8%) |
| Registered Nurses | $104,490 | $81,050 | $92,663 (−11.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.