Real Estate Investing in Toledo, Ohio (43614)

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

Lucas County • Population: 29,396 • Data updated: September 2026

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Should you buy in 43614 (Toledo, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

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

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.

What’s happening in Toledo, OH (43614)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $207,100
Avg Monthly Rent $1,159
1% Rule ✗ Does Not Meet
Median Income $52,877
% Renters 43.2%

Market Analysis: 43614 Toledo

The 43614 ZIP covers a section of Toledo that demands careful diligence. Prices near $207K look accessible, but the work to make a deal cash flow is real.

The investment case in 43614 is impressive only for operators who understand what they are buying. A $207K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 43614's metrics run below Lucas County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Resident income in 43614 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Toledo:

B Good
Buy Confidence Score: 73/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+8.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,159/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 43614

Which property type performs best in this market?

Best for Cash Flow
2BR
5.2% cap rate
Best for Appreciation
2BR
+7.8% 5yr CAGR
Best Overall Value
5BR
$60,696/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $139,242 $1,010 5.2% +7.8% $69,621
3BR $194,546 $1,300 4.8% +7.2% $64,849
4BR $257,755 $1,360 3.8% +7.6% $64,439
5BR $303,478 +6.8% $60,696

Market Trends

Home Value History (with trend line)

$217K$189K$162K$134K$107K$79KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,249$1,198$1,147$1,096$1,046$995Apr 2024Jun 2025Jul 2026

📊 How Does 43614 Compare?

Metric 43614 Toledo Toledo, OH Ohio
Home Value $207,100 $114,691 N/A $237,530
5-Year CAGR 6.0% 5.0% N/A 7.4%
Avg Rent $1,159 $1,123 N/A -
Cap Rate 4.4% 8.7% - -
💡 Why Invest in 43614? Click to expand

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

A healthy rental market with 43% renter-occupied households ensures tenant availability.

📊 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 43614 (Toledo, OH). Anonymous, moderated, never written by AI.

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Property managers serving Lucas County

Manage rentals here? List your business →

Flex Realty Property Management has been providing high quality and personal property management services in Toledo, Ohio since 1991. summary from their website

Unclaimed — is this your business? Claim it free
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+6.0%
Strong

📉 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 $207,100
Monthly Rent $1,159
Price-to-Rent 14.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.7%
Cap Rate 4.4%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +8.3% ▲
3-Year CAGR +6.3% ▲
5-Year CAGR +6.0% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year -0.9% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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
4.9%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 43614

Population: 29,396

💰 Median Household Income
$52,877
This area
$52,877
State
$68,496
USA
$74,580
🏠 Renter Occupied
43.2%
This area
43.2%
State
25.8%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-9.1%
USA
3.7%
🎓 College Educated
30.9%
This area
30.9%
State
8.4%
USA
33.7%
👤 Median Age
38.2 years
This area
38.2 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.9%
This area
4.9%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 73.5%
Black/African American 17.1%
Other/Mixed 7.8%
Hispanic/Latino 4.2%
Asian 1.6%
👶 Under 18
19.2%
This area
19.2%
USA
22.0%
👴 65 and Over
19.8%
This area
19.8%
USA
17.3%
📊 Poverty Rate
13.1%
This area
13.1%
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 43614

B+ Avg School Grade
7 Schools
23.1:1 Avg Class Size
$18,505 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Byrnedale Elementary School

📚 K – 08 School
👥
332 Students
👨‍🏫
14.4:1 Class Size
💰
$20,102 Per Student
A+ Excellent
👥
347 Students
👨‍🏫
12.9:1 Class Size
💰
$20,102 Per Student
A+ Excellent

Bowsher High School

📚 09 – 12 High School
👥
813 Students
👨‍🏫
14.8:1 Class Size
💰
$20,102 Per Student
A+ Excellent

Harvard Elementary School

📚 Pre-K – 08 School
👥
267 Students
👨‍🏫
12.7:1 Class Size
💰
$20,102 Per Student
A Very Good

Beverly Elementary School

📚 Pre-K – 08 School
👥
553 Students
👨‍🏫
16.8:1 Class Size
💰
$20,102 Per Student
C+ Average

Crossgates Pre-School

📚 Grade PK Elementary
👥
328 Students
👨‍🏫
32.8:1 Class Size
💰
$20,102 Per Student
D Needs Improvement

Northwest Ohio Classical Academy

📚 K – 12 K-12 Charter
👥
573 Students
👨‍🏫
57.3:1 Class Size
💰
$8,921 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

8 Nearby 1,519 Off-Campus Students
C
Athena Career Academy
395 students · 2.1 mi
D
Global Tech College
63 students · 2.5 mi
C
Professional Skills Institute
402 students · 2.7 mi
B
Penta County Joint Vocational School
67 students · 3.2 mi
D
Stautzenberger College-Maumee
520 students · 3.2 mi
C
Orion Institute
60 students · 3.6 mi
C+
University of Toledo
14,939 students · 4.0 mi
C+
Summit Salon Academy-Perrysburg
108 students · 4.1 mi

Investor Insight: With 1,519 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How expensive is real estate in Toledo, OH?

The median home value in Toledo, OH is roughly $207K. That puts it reasonable relative to the OH statewide average.

How tight is the rental market in Toledo, OH?

Vacancy risk in Toledo, OH is elevated. That supports stable cash flow for typical rental holds.

What is the renter demographic in Toledo, OH?

Toledo, OH offers a reliable renter base at the $1,159/mo rent level. Tenant turnover is reasonable for well-managed properties.

Is Toledo, OH landlord-friendly?

OH ranks as a landlord-friendly state for landlord-tenant law. Toledo generally follows the statewide framework, so landlords face reasonable operating rules.

How does Toledo, OH stack up for property investment?

Toledo, OH posts an investability rating of 3.0/5, with median home values near $207K and average rents around $1,159/mo. That combination puts it in the solid tier for investor interest.

You know 43614 now. You don’t know where it ranks.

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How 43614 ranks in Toledo, OH

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