City comparison
Toledo, OH vs Utica, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Utica, NY are 1.3% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $101,300 in Utica, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $926 a month in Utica, NY versus $820 in Toledo, OH. On $100,000, that's 15% of take-home pay in Utica, NY and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $2,892 a year higher in Utica, NY than in Toledo, OH.
- 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 Toledo, OH to Utica, NY changes real buying power by −1.3%, purely from prices.
- Toledo, OH: price level 91.5 (much cheaper)
- Utica, NY: price level 92.7 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Toledo, OH | Utica, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 92.7 |
| $100,000 is worth, in the other city2 | $101,337 in Utica | $98,680 in Toledo |
| Typical 1-bedroom rent3 | $820/mo | $926/mo |
| Take-home on $100,00014,15,8 | $77,212 | $74,320 |
| State income tax on $100,000 (estimate)8 | $1,968 (OH) | $4,860 (NY) |
| Rent burden on $100,000 | 13% | 15% |
| Median pay, all jobs4 | $48,220 | $48,970 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Toledo, OH MSA and Utica-Rome, NY MSA. Metro areas: Toledo, OH and Utica-Rome, NY.
What costs more or less
| Price level (U.S. = 100) | Toledo | Utica |
|---|---|---|
| Housing (rent) | 67.3 | 66.1 |
| Goods | 93.6 | 99.7 |
| Utilities | 96.3 | 131.9 |
| Other services | 98.9 | 97.8 |
| Overall | 91.5 | 92.7 |
Moving with the same $100,000 salary
Toledo, OH → Utica, NY
Roughly even
Buying power −1.3%; rent takes 15% of take-home; state tax +$2,892/yr.
65 Fair offer
Utica, NY → Toledo, OH
Roughly even
Buying power +1.3%; rent takes 13% of take-home; state tax −$2,892/yr.
73 Strong 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 Toledo, OH to Utica, NY at the same grade and step does to real buying power.
| Grade5,2 | Toledo, OH | Utica, NY | Real change, Toledo → Utica |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −1.3% |
| GS-11 step 1 | $74,678 | $74,678 | −1.3% |
| GS-12 step 1 | $89,508 | $89,508 | −1.3% |
| GS-13 step 1 | $106,437 | $106,437 | −1.3% |
| GS-14 step 1 | $125,776 | $125,776 | −1.3% |
Pay for common jobs
| Median annual pay4 | Toledo, OH | Utica, NY | Utica pay in Toledo dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,250 | $77,010 | $75,994 (+20.1%) |
| Software Developers | $104,360 | $113,390 | $111,894 (+7.2%) |
| Accountants and Auditors | $77,400 | $79,830 | $78,777 (+1.8%) |
| Registered Nurses | $81,050 | $94,300 | $93,056 (+14.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.