Head-to-Head · City Comparison
Carmel, IN
VS
Toledo, OH
🏆 Carmel leads 14 of 23 categories
Carmel
Indiana
14
wins
Cost of Living Index
94.6
Median Household Income
$132,859 ✓ Higher
Violent Crime Index
17 ✓ Safer
Population
99,453
Toledo
Ohio
9
wins
Cost of Living Index
90.4 ✓ Cheaper
Median Household Income
$45,405
Violent Crime Index
274⚠ High
Population
269,962 ✓ Larger
Pros & Cons
Auto-generated from official data — head-to-head differences and gaps vs the national average.
Carmel, IN
Pros
Households earn $87,454 more per year on average
94% less violent crime than Toledo
Stronger job market — unemployment is 5.6 pts lower (2.6%)
More college-educated — 73.7% hold a bachelor's or higher
Violent crime is well below the national average (66.0 vs 380/100k)
Living costs sit below the national average (index 94.6)
Cons
Pricier housing — median home is $425,900
Higher rents — median is $1,499/mo
Cost of living runs 4% higher than Toledo
Toledo, OH
Pros
Homes cost $327k less ($98,800 vs $425,900)
Rent averages $645/mo less ($854 vs $1,499)
Commutes run 5 min shorter each way
Living costs sit below the national average (index 90.4)
4% cheaper overall cost of living than Carmel
Cons
Median income trails Carmel by $87,454/yr
Violent crime (1041.1/100k) is above the U.S. average of 380
Property crime (2732.2/100k) runs high vs the U.S. average
Higher unemployment (8.2% vs 2.6%)
Key Differences at a Glance
Carmel
Median Income
$87,454
$132,859 vs $45,405/yr
Carmel
Violent Crime
94% lower
66.0 vs 1041.1 per 100k
Carmel
Unemployment
5.6 pp lower
2.6% vs 8.2% unemployment
Toledo
Cost of Living
4% cheaper
COL index 90.4 vs 94.6 (100 = US avg)
Toledo
Median Home Value
$327k less
$98,800 vs $425,900
Full Data Comparison
| Metric | Carmel, IN | Toledo, OH |
|---|---|---|
| 💰 Cost of Living | ||
| Cost of Living Index National avg = 100 · lower = cheaper | 94.6 | 90.4 ✓ Cheaper |
| Median Home Value | $425,900⚠ High | $98,800 ✓ Lower |
| Median Monthly Rent | $1,499⚠ High | $854 ✓ Lower |
| 📈 Income & Economy | ||
| Median Household Income | $132,859 ✓ Higher | $45,405 |
| Unemployment Rate | 2.6% ✓ Lower | 8.2%⚠ High |
| Avg Commute Minutes each way | 25.2 min | 19.9 min ✓ Shorter |
| Work From Home % | 21.3% ✓ Higher | 4.6% |
| 🔒 Safety | ||
| Crime Index 100 = national avg · lower = safer · 60% violent / 40% property | 26 ✓ Safer | 216⚠ High |
| Violent Crime Index 100 = national avg · lower = safer | 17 ✓ Safer | 274⚠ High |
| Property Crime Index 100 = national avg · lower = safer | 39 ✓ Safer | 130⚠ High |
| 🎓 Education | ||
| School Quality 100 = national avg · grad rate, staffing & attainment | A (120) ✓ Better | C+ (86) |
| Student-Teacher Ratio Lower = smaller classes | 15.6:1 | 15.2:1 ✓ Smaller |
| Bachelor's Degree or Higher | 73.7% ✓ Higher | 20.2% |
| High School or Higher | 98.1% ✓ Higher | 88.1% |
| School District Name only — no quality rating available | Carmel Clay Schools | Toledo City |
| 🌤 Weather | ||
| Avg High — January | 34.5°F ✓ Warmer | 33.6°F |
| Avg High — July | 84.4°F | 84.6°F ✓ Warmer |
| Annual Precipitation | 44.2" | 37.0" ✓ Drier |
| Annual Snowfall | 20.3" ✓ Less | 37.4" |
| 👥 Demographics | ||
| Population | 99,453 | 269,962 ✓ Larger |
| Median Age | 40.6 ✓ Older | 35.4 |
| Homeownership Rate | 74.6% ✓ Higher | 52.4% |
| Under 18 | 24.8% ✓ More | 23.0% |
| Over 65 | 14.7% | 14.8% ✓ More |
Frequently Asked Questions
Carmel's cost of living index is 94.6 vs Toledo's 90.4 (US average = 100).
Toledo is 4% less expensive overall.
Based on the 23 decided categories above, Carmel leads 14 of 23 categories. Carmel wins 14 and Toledo wins 9. The right choice depends on your priorities — use the Pros & Cons and full table above to weigh what matters to you.
Whether you're moving from Carmel to Toledo or relocating the other way, focus on the biggest gaps: housing ($425,900 vs $98,800 median home), income ($132,859 vs $45,405), safety, and schools — all covered in the full table above.
Carmel, IN and Toledo, OH are about 178 miles apart (straight-line distance). Driving distance will be longer depending on the route.