Head-to-Head · City Comparison
Palm Coast, FL
VS
Toledo, OH
🏆 Palm Coast leads 12 of 20 categories
Palm Coast
Florida
12
wins
Cost of Living Index
104.5⚠ High
Median Household Income
$68,824 ✓ Higher
Violent Crime Index
—
Population
91,082
Toledo
Ohio
8
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.
Palm Coast, FL
Pros
Households earn $23,419 more per year on average
Stronger job market — unemployment is 4.1 pts lower (4.1%)
Milder winters — January highs near 65°F vs 34°F
More college-educated — 26.4% hold a bachelor's or higher
Cons
Higher rents — median is $1,621/mo
Cost of living runs 14% higher than Toledo
Longer commutes — 28.0 min average each way
Toledo, OH
Pros
Homes cost $185k less ($98,800 vs $283,300)
Rent averages $767/mo less ($854 vs $1,621)
Commutes run 8 min shorter each way
14% cheaper overall cost of living than Palm Coast
Living costs sit below the national average (index 90.4)
Smaller class sizes — 15.2:1 student-teacher ratio
Cons
Median income trails Palm Coast by $23,419/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 4.1%)
Key Differences at a Glance
Palm Coast
Median Income
$23,419
$68,824 vs $45,405/yr
Palm Coast
Unemployment
4.1 pp lower
4.1% vs 8.2% unemployment
Palm Coast
Summer Heat
3.2°F warmer
July avg high 87.8°F vs 84.6°F
Toledo
Cost of Living
14% cheaper
COL index 90.4 vs 104.5 (100 = US avg)
Toledo
Median Home Value
$185k less
$98,800 vs $283,300
Full Data Comparison
| Metric | Palm Coast, FL | Toledo, OH |
|---|---|---|
| 💰 Cost of Living | ||
| Cost of Living Index National avg = 100 · lower = cheaper | 104.5⚠ High | 90.4 ✓ Cheaper |
| Median Home Value | $283,300 | $98,800 ✓ Lower |
| Median Monthly Rent | $1,621⚠ High | $854 ✓ Lower |
| 📈 Income & Economy | ||
| Median Household Income | $68,824 ✓ Higher | $45,405 |
| Unemployment Rate | 4.1%⚠ High ✓ Lower | 8.2%⚠ High |
| Avg Commute Minutes each way | 28.0 min⚠ High | 19.9 min ✓ Shorter |
| Work From Home % | 13.1% ✓ Higher | 4.6% |
| 🔒 Safety | ||
| Crime Index 100 = national avg · lower = safer · 60% violent / 40% property | — | 216⚠ High |
| Violent Crime Index 100 = national avg · lower = safer | — | 274⚠ High |
| Property Crime Index 100 = national avg · lower = safer | — | 130⚠ High |
| 🎓 Education | ||
| School Quality 100 = national avg · grad rate, staffing & attainment | B- (94) ✓ Better | C+ (86) |
| Student-Teacher Ratio Lower = smaller classes | 17.6:1 | 15.2:1 ✓ Smaller |
| Bachelor's Degree or Higher | 26.4% ✓ Higher | 20.2% |
| High School or Higher | 91.8% ✓ Higher | 88.1% |
| School District Name only — no quality rating available | FLAGLER | Toledo City |
| 🌤 Weather | ||
| Avg High — January | 65.2°F ✓ Warmer | 33.6°F |
| Avg High — July | 87.8°F ✓ Warmer | 84.6°F |
| Annual Precipitation | 51.3" | 37.0" ✓ Drier |
| Annual Snowfall | 0.0" ✓ Less | 37.4" |
| 👥 Demographics | ||
| Population | 91,082 | 269,962 ✓ Larger |
| Median Age | 50.3 ✓ Older | 35.4 |
| Homeownership Rate | 77.9% ✓ Higher | 52.4% |
| Under 18 | 17.6% | 23.0% ✓ More |
| Over 65 | 29.5% ✓ More | 14.8% |
Frequently Asked Questions
Palm Coast's cost of living index is 104.5 vs Toledo's 90.4 (US average = 100).
Toledo is 14% less expensive overall.
Based on the 20 decided categories above, Palm Coast leads 12 of 20 categories. Palm Coast wins 12 and Toledo wins 8. 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 Palm Coast to Toledo or relocating the other way, focus on the biggest gaps: housing ($283,300 vs $98,800 median home), income ($68,824 vs $45,405), safety, and schools — all covered in the full table above.
Palm Coast, FL and Toledo, OH are about 848 miles apart (straight-line distance). Driving distance will be longer depending on the route.