Albany NY vs Toledo OH — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Albany, NY
New York · Population: 100,081
- Median HH Income$59,485
- Median Home Price$324,670
- Unemployment8.3%
- Bachelor's+44.9%
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Detailed Comparison
Demographics
Population
Albany
100,081
Toledo
268,461
Toledo +
Pop. Density / sq mi
Lower = more space
Albany
N/A
Toledo
N/A
Median Age
Albany
31.9
Albany +
Toledo
35.7
Foreign Born
Albany
15.0%
Albany +
Toledo
3.4%
White
Albany
53.0%
Toledo
58.7%
Toledo +
Black
Albany
26.6%
Toledo
28.7%
Toledo +
Asian
Albany
7.9%
Albany +
Toledo
1.4%
Hispanic
Albany
10.7%
Albany +
Toledo
8.9%
Spanish at Home
Albany
N/A
Toledo
N/A
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Population | 100,081 | 268,461 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 31.9 | 35.7 | Albany + |
| Foreign Born | 15.0% | 3.4% | Albany + |
| White | 53.0% | 58.7% | Toledo + |
| Black | 26.6% | 28.7% | Toledo + |
| Asian | 7.9% | 1.4% | Albany + |
| Hispanic | 10.7% | 8.9% | Albany + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Albany
$59,485
Albany +
Toledo
$47,532
Per Capita Income
Albany
$35,851
Albany +
Toledo
$27,407
Per Capita Personal Income (MSA)
BEA MSA-level
Albany
$77,425
Albany +
Toledo
$58,300
Unemployment Rate
Albany
8.3%
Albany +
Toledo
8.5%
Poverty Rate
Albany
23.4%
Albany +
Toledo
24.5%
Bachelor's Degree+
Albany
44.9%
Albany +
Toledo
21.0%
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Median HH Income | $59,485 | $47,532 | Albany + |
| Per Capita Income | $35,851 | $27,407 | Albany + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,425 | $58,300 | Albany + |
| Unemployment Rate | 8.3% | 8.5% | Albany + |
| Poverty Rate | 23.4% | 24.5% | Albany + |
| Bachelor's Degree+ | 44.9% | 21.0% | Albany + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Albany
$324,670
Toledo
$130,101
Toledo +
Homeownership Rate
Albany
37.9%
Toledo
52.7%
Toledo +
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $324,670 | $130,101 | Toledo + |
| Homeownership Rate | 37.9% | 52.7% | Toledo + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Albany
434
Toledo
319
Toledo +
Property Crime / 100K
FBI CDE (state-level est.)
Albany
1736
Albany +
Toledo
1866
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 434 | 319 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1736 | 1866 | Albany + |
Health
Obesity Rate
CDC PLACES
Albany
32.9%
Albany +
Toledo
39.3%
Diabetes Rate
CDC PLACES
Albany
9.9%
Albany +
Toledo
15.7%
Poor Mental Health
CDC PLACES — 14+ days/month
Albany
17.6%
Albany +
Toledo
20.6%
No Health Insurance
CDC PLACES
Albany
7.7%
Albany +
Toledo
11.3%
Binge Drinking
CDC PLACES
Albany
18.0%
Toledo
14.9%
Toledo +
Current Smokers
CDC PLACES
Albany
12.3%
Albany +
Toledo
19.9%
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.9% | 39.3% | Albany + |
| Diabetes RateCDC PLACES | 9.9% | 15.7% | Albany + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 17.6% | 20.6% | Albany + |
| No Health InsuranceCDC PLACES | 7.7% | 11.3% | Albany + |
| Binge DrinkingCDC PLACES | 18.0% | 14.9% | Toledo + |
| Current SmokersCDC PLACES | 12.3% | 19.9% | Albany + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Albany
48.3°F
Albany +
Toledo
50.6°F
Annual Precipitation
NOAA 1991–2020 normal
Albany
39.4 in
Toledo
33.4 in
Toledo +
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 48.3°F | 50.6°F | Albany + |
| Annual PrecipitationNOAA 1991–2020 normal | 39.4 in | 33.4 in | Toledo + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Albany
8.1 µg/m³
Albany +
Toledo
10.3 µg/m³
Good Air Days
AQI ≤ 50
Albany
75.0%
Albany +
Toledo
55.0%
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.1 µg/m³ | 10.3 µg/m³ | Albany + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Albany + |
Commute
Mean Commute Time
Census ACS
Albany
21.1 min
Albany +
Toledo
21.3 min
| Metric | Albany, NY | Toledo, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.1 min | 21.3 min | Albany + |
Which City is Right for You?
Albany leads in median household income at $59,485, while toledo offers more affordable housing with a median home price of $130,101. On public safety, Toledo is safer with a violent crime rate of 319 per 100,000 residents, compared to 434 in Albany. Albany has a lower unemployment rate at 8.3%, and Albany has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Albany scores better with a lower obesity rate of 32.9%.
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