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Toledo city, OH

ZIP 43605 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 43605

Median Home Value
$46,000
Median Rent
$587
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$295/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 43605 in Toledo city, OH, a household would need roughly $13,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $295. That sits below the local median household income ($36,389), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
49.2%-25% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
84.8%-3% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
8.7%-32% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
62.0%+62% vs US avg
x
$46,000
Home Value
$587
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached72.3%
  • 1-unit attached2.5%
  • 2-9 units19.5%
  • 10+ units3.7%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$46,000
Median rent$587
Owner-occupied49.2%
Vacant16.9%
Price-to-income1.3x
Est. income to buy$13,000