Real Estate Investing in Graytown, Ohio (43432)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Ottawa County • Population: 1,272 • Data updated: September 2026

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Should you buy in 43432 (Graytown, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Graytown, OH (43432)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $265,391
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income N/A
% Renters 4.0%

Market Analysis: 43432 Graytown

ZIP 43432 in Graytown, OH carries a sturdy set of headwinds. Home values near $265K and rents of $954/mo sit inside a market where underwriting has to be tight.

The investment case in 43432 is resilient only for operators who understand what they are buying. A $265K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Put differently, 43432 offers a low basis, the region around Graytown has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

A solid renter share of 4% in 43432 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Experienced landlords with local relationships tend to find 43432 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Graytown:

Affordability
Affordable
Homes cost × the median income
Value Trend
Rising (+4.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Toledo, OH Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
9.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Toledo, OH metro data
🏠

Property Strategy for 43432

Which property type performs best in this market?

Best for Cash Flow
4BR
4.0% cap rate
Best for Appreciation
3BR
+6.4% 5yr CAGR
Best Overall Value
4BR
$73,766/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $273,206 $1,270 3.3% +6.4% $91,069
4BR $295,065 $1,620 4.0% +6.2% $73,766

Market Trends

Home Value History (with trend line)

$276K$245K$214K$182K$151K$120KJul 2006Jul 2016Jul 2026

📊 How Does 43432 Compare?

Metric 43432 Graytown Toledo, OH Ohio
Home Value $265,391 $265,391 N/A $237,530
5-Year CAGR 4.4% 4.4% N/A 7.4%
Avg Rent $954 $954 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 43432? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 43432 (Graytown, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.8%
Low
5yr Growth
+4.4%
Moderate

📉 Market Crash Risk Index

Based on Toledo, OH metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
41%
Days Pending
0/2
30 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $265,391
Monthly Rent $954
Price-to-Rent 23.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 7.2%

📈 Home Appreciation

1-Year +4.2% ▲
3-Year CAGR +3.5% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +6.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
0.0%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 43432

Population: 1,272

💰 Median Household Income
N/A
🏠 Renter Occupied
4.0%
This area
4.0%
State
25.8%
USA
34.0%
💼 Unemployment Rate
1.8%
This area
1.8%
State
-9.1%
USA
3.7%
🎓 College Educated
22.8%
This area
22.8%
State
8.4%
USA
33.7%
👤 Median Age
52.2 years
This area
52.2 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
0.0%
This area
0.0%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 94.9%
Other/Mixed 5.1%
👶 Under 18
16.0%
This area
16.0%
USA
22.0%
👴 65 and Over
27.8%
This area
27.8%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Nearby Colleges & Universities

2 Nearby
D
Toledo Academy of Beauty Culture-East
106 students · 12.6 mi
C+
Vanguard-Sentinel Adult Career and Technology Center
19 students · 14.9 mi

Frequently Asked Questions

How much does a house cost in Graytown, OH?

In Graytown, OH the median home value sits at $265K. Against the broader OH market, that reads as reasonable for most investors.

How do landlord-tenant laws work in Graytown, OH?

OH law landlord-friendly for landlords, and Graytown inherits those rules. Investors should still review local ordinances for rental licensing.

What is the typical vacancy rate in Graytown, OH?

Occupancy in Graytown, OH runs consistent with elevated vacancy. Well-priced units at $954/mo lease on reasonable timelines.

Does house hacking make sense in Graytown, OH?

House hacking in Graytown, OH is reasonable to execute. Prices around $265K and rents of $954/mo solid owner-occupant economics.

What is the typical renter like in Graytown, OH?

Graytown, OH offers a even-keeled renter base at the $954/mo rent level. Tenant turnover is reasonable for well-managed properties.

You know 43432 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 43432 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 43432 ranks in Toledo, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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