Real Estate Investing in Curtice, Ohio (43412)

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

Ottawa County • Population: 4,109 • Data updated: September 2026

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Should you buy in 43412 (Curtice, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 13.4% of homes vacant — above national norms.

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

What’s happening in Curtice, OH (43412)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $208,363
Avg Monthly Rent $1,188
1% Rule ✗ Does Not Meet
Median Income $95,500
% Renters 11.1%

Market Analysis: 43412 Curtice

The 43412 ZIP covers a section of Curtice that demands careful diligence. Prices near $208K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 43412 can be a worth a close look for hunting ground — but the discount at $208K reflects genuine risk that outside investors often underestimate.

ZIP 43412's metrics run below Ottawa County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The demographic picture in 43412 includes headwinds that any investor should price in. Income distribution skews lower than Curtice averages, and tenant stability requires active management.

Distressed ZIPs reward experience. significant returns are possible in 43412, but they flow to investors who already understand how to operate in soft markets.

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 Curtice:

B Good
Buy Confidence Score: 73/100
Affordability
25/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.2× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,188/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
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 43412

Which property type performs best in this market?

Best for Cash Flow
2BR
6.4% cap rate
Best for Appreciation
3BR
+6.8% 5yr CAGR
Best Overall Value
2BR
$74,463/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $148,926 $1,320 6.4% +6.7% $74,463
3BR $269,857 $1,640 4.4% +6.8% $89,952
4BR $357,263 $1,900 3.8% +6.7% $89,316

Market Trends

Home Value History (with trend line)

$217K$193K$169K$145K$121K$98KJul 2006Jul 2016Jul 2026

📊 How Does 43412 Compare?

Metric 43412 Curtice Toledo, OH Ohio
Home Value $208,363 $208,363 N/A $237,530
5-Year CAGR 4.3% 4.3% N/A 7.4%
Avg Rent $1,188 $1,188 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 43412? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 43412 (Curtice, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+4.3%
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 $208,363
Monthly Rent $1,188
Price-to-Rent 14.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.8%
Cap Rate 4.5%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR +3.5% ▲
5-Year CAGR +4.3% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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
13.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 43412

Population: 4,109

💰 Median Household Income
$95,500
This area
$95,500
State
$68,496
USA
$74,580
🏠 Renter Occupied
11.1%
This area
11.1%
State
25.8%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-9.1%
USA
3.7%
🎓 College Educated
25.2%
This area
25.2%
State
8.4%
USA
33.7%
👤 Median Age
47.0 years
This area
47.0 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
13.4%
This area
13.4%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 93.1%
Other/Mixed 6.9%
Hispanic/Latino 6.1%
👶 Under 18
20.5%
This area
20.5%
USA
22.0%
👴 65 and Over
17.5%
This area
17.5%
USA
17.3%
📊 Poverty Rate
6.1%
This area
6.1%
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

🎓 Schools in 43412

B Avg School Grade
1 Schools
20.1:1 Avg Class Size
$16,591 Avg Per Pupil

Schools in This ZIP Code

B Good

Jerusalem Elementary School

📚 K – 04 Elementary
👥
442 Students
👨‍🏫
20.1:1 Class Size
💰
$16,591 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

6 Nearby 3,027 Off-Campus Students
D
Toledo Academy of Beauty Culture-East
106 students · 7.7 mi
D
Davis College
95 students · 11.1 mi
C
Owens Community College
7,762 students · 11.7 mi
C
Mercy College of Ohio
1,150 students · 12.2 mi
B
Penta County Joint Vocational School
67 students · 13.4 mi
C+
Toledo Public Schools Adult and Continuing Education
33 students · 14.5 mi

Investor Insight: With 3,027 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What do landlords charge for rent in Curtice, OH?

Rent in Curtice, OH is around $1,188/mo. The resulting rent-to-value relationship with $208K pricing is reasonable for most investor models.

What kind of tenants rent in Curtice, OH?

Tenant quality in Curtice, OH ranks as solid. Landlords generally report stable occupancy at market rents of $1,188/mo.

Is Curtice in OH worth investing in?

Our data puts Curtice, OH at 3.0/5 for investability. Home prices of $208K and rents around $1,188/mo create a solid backdrop for investor activity.

What is the typical vacancy rate in Curtice, OH?

Curtice, OH vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How much does a house cost in Curtice, OH?

In Curtice, OH the median home value sits at $208K. Against the broader OH market, that reads as reasonable for most investors.

You know 43412 now. You don’t know where it ranks.

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How 43412 ranks in Toledo, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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