City comparison
Philadelphia, PA vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Philadelphia, PA are 12.1% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $112,100 in Philadelphia, PA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,520 a month in Philadelphia, PA versus $820 in Toledo, OH. On $100,000, that's 24% of take-home pay in Philadelphia, PA and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $1,102 a year higher in Philadelphia, PA than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −9.2% moving from Philadelphia, PA to Toledo, OH ($117,284 → $106,437), while prices change by −10.8%. Net effect of the transfer: +1.8% in real buying power.
- Philadelphia, PA: price level 102.6 (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
| Philadelphia, PA | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.6 | 91.5 |
| $100,000 is worth, in the other city2 | $89,177 in Toledo | $112,136 in Philadelphia |
| Typical 1-bedroom rent3 | $1,520/mo | $820/mo |
| Take-home on $100,00014,15,8 | $76,110 | $77,212 |
| State income tax on $100,000 (estimate)8 | $3,070 (PA) | $1,968 (OH) |
| Rent burden on $100,000 | 24% | 13% |
| Median pay, all jobs4 | $54,310 | $48,220 |
| Federal locality pay area7 | Philadelphia-Reading-Camden, PA-NJ-DE-MD | Rest of U.S. |
Rent areas: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA and Toledo, OH MSA. Metro areas: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | Philadelphia | Toledo |
|---|---|---|
| Housing (rent) | 113.1 | 67.3 |
| Goods | 96.8 | 93.6 |
| Utilities | 114.4 | 96.3 |
| Other services | 103.1 | 98.9 |
| Overall | 102.6 | 91.5 |
Moving with the same $100,000 salary
Philadelphia, PA → Toledo, OH
Same pay goes further
Buying power +12.1%; rent takes 13% of take-home; state tax −$1,102/yr.
100 Strong offer
Toledo, OH → Philadelphia, PA
Same pay buys less
Buying power −10.8%; rent takes 24% of take-home; state tax +$1,102/yr.
38 Weak offer
On the GS pay scale?
Philadelphia, PA is in the Philadelphia-Reading-Camden, PA-NJ-DE-MD pay area; Toledo, OH is in Rest of U.S.. The last column shows what a transfer from Philadelphia, PA to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | Philadelphia, PA | Toledo, OH | Real change, Philadelphia → Toledo |
|---|---|---|---|
| GS-9 step 1 | $68,013 | $61,722 | +1.8% |
| GS-11 step 1 | $82,289 | $74,678 | +1.8% |
| GS-12 step 1 | $98,630 | $89,508 | +1.8% |
| GS-13 step 1 | $117,284 | $106,437 | +1.8% |
| GS-14 step 1 | $138,595 | $125,776 | +1.8% |
Pay for common jobs
| Median annual pay4 | Philadelphia, PA | Toledo, OH | Toledo pay in Philadelphia dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $78,570 | $63,250 | $70,926 (−9.7%) |
| Software Developers | $133,040 | $104,360 | $117,025 (−12.0%) |
| Accountants and Auditors | $85,990 | $77,400 | $86,793 (+0.9%) |
| Registered Nurses | $101,180 | $81,050 | $90,886 (−10.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.