Toledo OH vs Utica NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Utica, NY
New York · Population: 51,054
- Median HH Income$57,688
- Median Home Price$205,924
- Unemployment9.4%
- Bachelor's+36.8%
Detailed Comparison
Demographics
Population
Toledo
268,461
Toledo +
Utica
51,054
Pop. Density / sq mi
Lower = more space
Toledo
N/A
Utica
N/A
Median Age
Toledo
35.7
Utica
33.0
Utica +
Foreign Born
Toledo
3.4%
Utica
9.7%
Utica +
White
Toledo
58.7%
Utica
64.8%
Utica +
Black
Toledo
28.7%
Toledo +
Utica
16.9%
Asian
Toledo
1.4%
Utica
4.3%
Utica +
Hispanic
Toledo
8.9%
Utica
9.8%
Utica +
Spanish at Home
Toledo
N/A
Utica
N/A
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Population | 268,461 | 51,054 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.7 | 33.0 | Utica + |
| Foreign Born | 3.4% | 9.7% | Utica + |
| White | 58.7% | 64.8% | Utica + |
| Black | 28.7% | 16.9% | Toledo + |
| Asian | 1.4% | 4.3% | Utica + |
| Hispanic | 8.9% | 9.8% | Utica + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Toledo
$47,532
Utica
$57,688
Utica +
Per Capita Income
Toledo
$27,407
Utica
$35,780
Utica +
Per Capita Personal Income (MSA)
BEA MSA-level
Toledo
$58,300
Utica
$77,425
Utica +
Unemployment Rate
Toledo
8.5%
Toledo +
Utica
9.4%
Poverty Rate
Toledo
24.5%
Utica
23.8%
Utica +
Bachelor's Degree+
Toledo
21.0%
Utica
36.8%
Utica +
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Median HH Income | $47,532 | $57,688 | Utica + |
| Per Capita Income | $27,407 | $35,780 | Utica + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,300 | $77,425 | Utica + |
| Unemployment Rate | 8.5% | 9.4% | Toledo + |
| Poverty Rate | 24.5% | 23.8% | Utica + |
| Bachelor's Degree+ | 21.0% | 36.8% | Utica + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Toledo
$130,101
Toledo +
Utica
$205,924
Homeownership Rate
Toledo
52.7%
Toledo +
Utica
36.8%
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $130,101 | $205,924 | Toledo + |
| Homeownership Rate | 52.7% | 36.8% | Toledo + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Toledo
319
Toledo +
Utica
434
Property Crime / 100K
FBI CDE (state-level est.)
Toledo
1866
Utica
1736
Utica +
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 319 | 434 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1866 | 1736 | Utica + |
Health
Obesity Rate
CDC PLACES
Toledo
39.3%
Toledo +
Utica
39.6%
Diabetes Rate
CDC PLACES
Toledo
15.7%
Utica
14.1%
Utica +
Poor Mental Health
CDC PLACES — 14+ days/month
Toledo
20.6%
Utica
19.4%
Utica +
No Health Insurance
CDC PLACES
Toledo
11.3%
Utica
11.1%
Utica +
Binge Drinking
CDC PLACES
Toledo
14.9%
Toledo +
Utica
15.2%
Current Smokers
CDC PLACES
Toledo
19.9%
Utica
18.7%
Utica +
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 39.3% | 39.6% | Toledo + |
| Diabetes RateCDC PLACES | 15.7% | 14.1% | Utica + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 20.6% | 19.4% | Utica + |
| No Health InsuranceCDC PLACES | 11.3% | 11.1% | Utica + |
| Binge DrinkingCDC PLACES | 14.9% | 15.2% | Toledo + |
| Current SmokersCDC PLACES | 19.9% | 18.7% | Utica + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Toledo
50.6°F
Utica
N/A
Annual Precipitation
NOAA 1991–2020 normal
Toledo
33.4 in
Utica
N/A
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 50.6°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 33.4 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Toledo
10.3 µg/m³
Utica
8.1 µg/m³
Utica +
Good Air Days
AQI ≤ 50
Toledo
55.0%
Utica
75.0%
Utica +
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.3 µg/m³ | 8.1 µg/m³ | Utica + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Utica + |
Commute
Mean Commute Time
Census ACS
Toledo
21.3 min
Toledo +
Utica
22.7 min
| Metric | Toledo, OH | Utica, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.3 min | 22.7 min | Toledo + |
Which City is Right for You?
Utica leads in median household income at $57,688, 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 Utica. Toledo has a lower unemployment rate at 8.5%, and Utica has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Toledo scores better with a lower obesity rate of 39.3%.
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