City comparison
Toledo, OH vs Virginia Beach, VA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Virginia Beach, VA are 7.1% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $107,100 in Virginia Beach, VA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,512 a month in Virginia Beach, VA versus $820 in Toledo, OH. On $100,000, that's 24% of take-home pay in Virginia Beach, VA and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $2,968 a year higher in Virginia Beach, VA than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by +1.5% moving from Toledo, OH to Virginia Beach, VA ($106,437 → $108,019), while prices change by +7.1%. Net effect of the transfer: −5.2% in real buying power.
- Toledo, OH: price level 91.5 (much cheaper)
- Virginia Beach, VA: price level 97.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Toledo, OH | Virginia Beach, VA | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 97.9 |
| $100,000 is worth, in the other city2 | $107,092 in Virginia Beach | $93,378 in Toledo |
| Typical 1-bedroom rent3 | $820/mo | $1,512/mo |
| Take-home on $100,00014,15,8 | $77,212 | $74,244 |
| State income tax on $100,000 (estimate)8 | $1,968 (OH) | $4,936 (VA) |
| Rent burden on $100,000 | 13% | 24% |
| Median pay, all jobs4 | $48,220 | $49,430 |
| Federal locality pay area7 | Rest of U.S. | Virginia Beach-Norfolk, VA-NC |
Rent areas: Toledo, OH MSA and Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area. Metro areas: Toledo, OH and Virginia Beach-Chesapeake-Norfolk, VA-NC.
What costs more or less
| Price level (U.S. = 100) | Toledo | Virginia Beach |
|---|---|---|
| Housing (rent) | 67.3 | 99.8 |
| Goods | 93.6 | 96.8 |
| Utilities | 96.3 | 89.6 |
| Other services | 98.9 | 98.6 |
| Overall | 91.5 | 97.9 |
Moving with the same $100,000 salary
Toledo, OH → Virginia Beach, VA
Same pay buys less
Buying power −6.6%; rent takes 24% of take-home; state tax +$2,968/yr.
48 Fair offer
Virginia Beach, VA → Toledo, OH
Same pay goes further
Buying power +7.1%; rent takes 13% of take-home; state tax −$2,968/yr.
91 Strong offer
On the GS pay scale?
Toledo, OH is in the Rest of U.S. pay area; Virginia Beach, VA is in Virginia Beach-Norfolk, VA-NC. The last column shows what a transfer from Toledo, OH to Virginia Beach, VA at the same grade and step does to real buying power.
| Grade5,2 | Toledo, OH | Virginia Beach, VA | Real change, Toledo → Virginia Beach |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,640 | −5.2% |
| GS-11 step 1 | $74,678 | $75,788 | −5.2% |
| GS-12 step 1 | $89,508 | $90,838 | −5.2% |
| GS-13 step 1 | $106,437 | $108,019 | −5.2% |
| GS-14 step 1 | $125,776 | $127,646 | −5.2% |
Pay for common jobs
| Median annual pay4 | Toledo, OH | Virginia Beach, VA | Virginia Beach pay in Toledo dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,250 | $63,380 | $59,183 (−6.4%) |
| Software Developers | $104,360 | $129,090 | $120,541 (+15.5%) |
| Accountants and Auditors | $77,400 | $79,450 | $74,189 (−4.1%) |
| Registered Nurses | $81,050 | $89,450 | $83,526 (+3.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.