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Toronto city, OH

ZIP 43964 — 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 43964

Median Home Value
$121,900
Median Rent
$500
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$783/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 43964 in Toronto city, OH, a household would need roughly $34,000 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 $783. That sits below the local median household income ($53,321), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.0%+22% vs US avg
x
Vacancy Rate
10.1%-2% vs US avg
x
Broadband Access
84.5%-3% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
51.3%+34% vs US avg
x
$121,900
Home Value
$500
Rent
1962
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached76.0%
  • 1-unit attached1.5%
  • 2-9 units8.4%
  • 10+ units4.4%
  • Mobile home & other9.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$121,900
Median rent$500
Owner-occupied80.0%
Vacant10.1%
Price-to-income2.3x
Est. income to buy$34,000