City comparison
Toledo, OH vs Urban Honolulu, HI
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Urban Honolulu, HI are 21.3% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $121,300 in Urban Honolulu, HI to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,016 a month in Urban Honolulu, HI versus $820 in Toledo, OH. On $100,000, that's 33% of take-home pay in Urban Honolulu, HI and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $4,102 a year higher in Urban Honolulu, HI than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.4% moving from Toledo, OH to Urban Honolulu, HI ($106,437 → $111,119), while prices change by +21.3%. Net effect of the transfer: −14.0% in real buying power.
- Toledo, OH: price level 91.5 (much cheaper)
- Urban Honolulu, HI: price level 111.0 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Toledo, OH | Urban Honolulu, HI | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 111.0 |
| $100,000 is worth, in the other city2 | $121,329 in Urban Honolulu | $82,421 in Toledo |
| Typical 1-bedroom rent3 | $820/mo | $2,016/mo |
| Take-home on $100,00014,15,8 | $77,212 | $73,110 |
| State income tax on $100,000 (estimate)8 | $1,968 (OH) | $6,070 (HI) |
| Rent burden on $100,000 | 13% | 33% |
| Median pay, all jobs4 | $48,220 | $57,220 |
| Federal locality pay area7 | Rest of U.S. | State of Hawaii |
Rent areas: Toledo, OH MSA and Urban Honolulu, HI MSA. Metro areas: Toledo, OH and Urban Honolulu, HI.
What costs more or less
| Price level (U.S. = 100) | Toledo | Urban Honolulu |
|---|---|---|
| Housing (rent) | 67.3 | 135.5 |
| Goods | 93.6 | 111.6 |
| Utilities | 96.3 | 187.3 |
| Other services | 98.9 | 102.9 |
| Overall | 91.5 | 111.0 |
Moving with the same $100,000 salary
Toledo, OH → Urban Honolulu, HI
Same pay buys less
Buying power −17.6%; rent takes 33% of take-home; state tax +$4,102/yr.
25 Weak offer
Urban Honolulu, HI → Toledo, OH
Same pay goes further
Buying power +21.3%; rent takes 13% of take-home; state tax −$4,102/yr.
100 Strong offer
On the GS pay scale?
Toledo, OH is in the Rest of U.S. pay area; Urban Honolulu, HI is in State of Hawaii. The last column shows what a transfer from Toledo, OH to Urban Honolulu, HI at the same grade and step does to real buying power.
| Grade5,2 | Toledo, OH | Urban Honolulu, HI | Real change, Toledo → Urban Honolulu |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,438 | −14.0% |
| GS-11 step 1 | $74,678 | $77,964 | −14.0% |
| GS-12 step 1 | $89,508 | $93,445 | −14.0% |
| GS-13 step 1 | $106,437 | $111,119 | −14.0% |
| GS-14 step 1 | $125,776 | $131,310 | −14.0% |
Pay for common jobs
| Median annual pay4 | Toledo, OH | Urban Honolulu, HI | Urban Honolulu pay in Toledo dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,250 | $73,080 | $60,233 (−4.8%) |
| Software Developers | $104,360 | $120,230 | $99,095 (−5.0%) |
| Accountants and Auditors | $77,400 | $74,990 | $61,807 (−20.1%) |
| Registered Nurses | $81,050 | $139,260 | $114,779 (+41.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.