Frederick, MD vs Toledo, OH
Single · Comfortable · $3,000/mo
Toledo, OH is approximately 75% less expensive than Frederick, MD based on cost of living including rent. This makes Toledo, OH a more budget-friendly option for expats considering a move.
Toledo, OH has a FIRE Score of 82/100, indicating its suitability for financial independence and early retirement. The city's safety index is 30.97, suggesting moderate safety levels.
Recommended profile: Toledo, OH is ideal for GeoArbitragers and remote workers looking to maximize savings.
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Best in rowUnited States
Frederick, MD
United States
Toledo, OH
Estimates from published local prices. N/A means no figure is published for that city.
About these cities
About Toledo, OH
Toledo is one of the great underrated bargains of the American Midwest, with a 1-bedroom outside the center at $671/mo and a comfortable single lifestyle running $1,890/mo against an average net salary of $3,240/mo. The trade-off is real: a humid continental climate delivers hot summers and cold, snowy winters, and a safety index of 65/100 means you should choose your blocks carefully. Still, an overall expat score of 82/100 and excellent healthcare make this a serious contender for anyone chasing FIRE on a modest budget. Come for the cheap rent, stay because your money finally goes somewhere.
About United States
Best for families seeking high English proficiency and excellent air travel access, with no retiree or digital nomad visa available. Internet speed of 390.28 Mbps and a large expat community support remote work, but the cost of living index is 100 (global baseline). Key trade-off: no retirement or digital nomad visa, and a complex pathway to residency or citizenship limits long-term stays.
Toledo, OH costs roughly 3.9x less than Frederick, MD. Frederick, MD scores significantly higher on safety — worth weighing against the cost gap. Use our tool below to personalize the estimate based on your income and lifestyle.
Toledo, OH is approximately 75% less expensive than Frederick, MD based on cost of living including rent. This makes Toledo, OH a more budget-friendly option for expats considering a move.
Toledo, OH has a FIRE Score of 82/100, indicating its suitability for financial independence and early retirement. The city's safety index is 30.97, suggesting moderate safety levels.
Recommended profile: Toledo, OH is ideal for GeoArbitragers and remote workers looking to maximize savings.
Frederick, MD
United StatesAbout Frederick, MD
Frederick is a quietly excellent pick for anyone who wants small-city safety and a real downtown without paying DC prices. A 1-bedroom outside the center runs $1,300/mo against an average monthly net salary of $4,585/mo, and a crime index of 15/100 with a safety index of 85/100 is the kind of trade most American cities cannot offer. The catch is that Frederick is not cheap anymore: $28 for an inexpensive restaurant meal and $1,700/mo for a downtown 1-bedroom mean your budget has to be deliberate. Come for the walkable core and the 3 km hop to FDK, stay if you can tolerate humid summers, cold winters, and a medium-sized expat crowd.
About United States
Best for families seeking high English proficiency and excellent air travel access, with no retiree or digital nomad visa available. Internet speed of 390.28 Mbps and a large expat community support remote work, but the cost of living index is 100 (global baseline). Key trade-off: no retirement or digital nomad visa, and a complex pathway to residency or citizenship limits long-term stays.
$788/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
Toledo, OH
United StatesAbout Toledo, OH
Toledo is one of the great underrated bargains of the American Midwest, with a 1-bedroom outside the center at $671/mo and a comfortable single lifestyle running $1,890/mo against an average net salary of $3,240/mo. The trade-off is real: a humid continental climate delivers hot summers and cold, snowy winters, and a safety index of 65/100 means you should choose your blocks carefully. Still, an overall expat score of 82/100 and excellent healthcare make this a serious contender for anyone chasing FIRE on a modest budget. Come for the cheap rent, stay because your money finally goes somewhere.
About United States
Best for families seeking high English proficiency and excellent air travel access, with no retiree or digital nomad visa available. Internet speed of 390.28 Mbps and a large expat community support remote work, but the cost of living index is 100 (global baseline). Key trade-off: no retirement or digital nomad visa, and a complex pathway to residency or citizenship limits long-term stays.
$1,374/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
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| Metric | Frederick, MD | Toledo, OH |
|---|---|---|
| 1BR Apartment (Center) | $1700 | $970 |
| 1BR Apartment (Outside) | $1300 | $671 |
| 3BR Apartment (Center) | $3500 | $1294.5 |
| 3BR Apartment (Outside) | $2000 | $1246.5 |
| Safety Index | 69.01 | 30.97 |
| Internet Speed | 120Mbps | 170Mbps |
| Walkability Score | N/A | N/A |
Monthly cost by categoryOne person, computed from each city's own average prices
| Category | Frederick, MD | Toledo, OH |
|---|---|---|
| Total (rent included) | $2,171/mo | $1,572/mo |
| Excluding rent | $871/mo | $901/mo |
| Rent | $1,300/mo | $671/mo |
| Groceries | $207/mo | $223/mo |
| Dining out | $250/mo | $200/mo |
| Entertainment & lifestyle | $113/mo | $128/mo |
| Utilities & connectivity | $301/mo | $305/mo |
| Transport | N/A | $45.00/mo |
Usage-based estimates from this city's own average prices. A row marked N/A means that city is missing data, so no figure is shown instead of a stale one.
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