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Living in
Toledo.
About
Life in Toledo
Living in Toledo means enjoying genuinely affordable housing—median home values around $115,000 and rent averaging $901 a month—in a city where your paycheck actually stretches. The cost of living here is one of the biggest draws for people tired of inflated coastal and Sun Belt markets, and that affordability extends to a median household income of around $49,724, which actually feels livable. The local job market is anchored by healthcare (the University of Toledo and ProMedica anchor the economy now), automotive manufacturing at the Jeep complex in the city and Perrysburg, and legacy manufacturing tied to Toledo's Glass City heritage—companies like Owens Corning and Dana Holding still operate here, though the industrial boom of past decades has genuinely dimmed.
Toledo at a Glance
Population, income, housing and more
Median Age
35.8 yrs
Poverty Rate
24.3%
Foreign-Born
3.6%
Broadband Internet
87.2%
of households
Population Growth
-2.8%
recent change · Census Bureau
Median household income
Demographics3.6% foreign-born, most often from Mexico
Who lives in Toledo: race and ethnicity, ages, households, languages and countries of origin
In Toledo, the largest foreign-born group is from Mexico (9.1%), and 3.0% of residents speak Spanish at home.
Under 18
22.8%
of residents
65 and Older
15.6%
of residents
Households with Kids
26.2%
anyone under 18
Living Alone
40.3%
of households
Married Couples
27.5%
of households
Avg Household Size
2.21
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 13% below OH average
Rent, home values, and income in Toledo
In Toledo, rent runs 13% below the OH average, and home values are 47% below the OH average.
Median rent (per month)
Median home value
Rent Burdened
42.7%
spending 30%+ of income on rent
Severely Rent Burdened
22.9%
spending 50%+
Cost of Living Index
91.5
metro area (BEA) · US avg = 100
Median Property Tax
$1,849
per year, owner-occupied homes
Homeowners
53.3%
of occupied homes are owned
Typical Home Built
1955
median year built
Vacant Homes
10.6%
of housing units
Home Value Trend
Latest: $131,766 (September 2026)
Jobs & Economyunemployment 2.2 pts above OH average
Unemployment in Toledo
Unemployment in Toledo is 2.2 percentage points higher than the OH average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Toledo Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute19.8 min avg
How Toledo residents get to work, and the nearest airports
In Toledo, most residents drive alone to work (78%), and 83% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 15 mi
Eugene F. Kranz Toledo Express Airport (TOL)
Regional airport · few flights67k passengers boarded in 2025
- 40 mi
Detroit Metropolitan Wayne County Airport (DTW)
Major hub16.3M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 165% above national average
Crime rates for 2025
Violent crime in Toledo runs 165% above the national average.
Violent Crime Rate
871.9
per 100,000 residents
Above average (329 national, 2025)
Property Crime Rate
2,539.2
per 100,000 residents
Above average (1,552 national, 2025)
Toledo Police Department
Natural DisastersThunderstorm Wind most common — 3 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
92.4 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Lucas County, county-wide · FEMA NRI December 2025
In Lucas County, which includes Toledo, the most common type is thunderstorm wind, with 3 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 3 | Thunderstorm Wind | None reported |
| 2024 | 7 | Thunderstorm Wind | $170,000 |
| 2023 | 11 | Thunderstorm Wind | $311,000 |
| 2022 | 6 | Thunderstorm Wind | $5,000 |
| 2021 | 6 | Thunderstorm Wind | $50,000 |
| 2020 | 16 | Lakeshore Flood | $250,000 |
| 2019 | 13 | Thunderstorm Wind | $15.8M |
| 2018 | 6 | Hail | $159,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
2 earthquakes of magnitude 2.5+ within 100 miles in the past year
Lucas County, county-wide
Air Quality52 median AQI — Moderate
Days by air quality category (2025)
Air quality in Lucas County, which includes Toledo, is typically moderate — acceptable for most people, but can affect those unusually sensitive to air pollution.
Median AQI
52
Good Days
173
per year
Moderate Days
183
per year
Unhealthy Days
1
per year
Lucas County, county-wide
Climate83°F summers, 23°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Toledo has warm summers (avg high 83°F) and cold winters (avg low 23°F).
Spring (Mar–May)
59°/40°F
avg high / low
Summer (Jun–Aug)
83°/63°F
avg high / low
Fall (Sep–Nov)
63°/45°F
avg high / low
Winter (Dec–Feb)
36°/23°F
avg high / low
Annual Precipitation
37.0"
Annual Snowfall
37.4"
Hot Days/Year
18
days above 90°F
Freeze Days/Year
118
days below 32°F
Rainy Days/Year
127
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 34°F | 20°F | 1.79" |
| Feb | 36°F | 22°F | 1.75" |
| Mar | 47°F | 29°F | 2.31" |
| Apr | 60°F | 40°F | 3.26" |
| May | 71°F | 51°F | 3.50" |
| Jun | 81°F | 61°F | 3.24" |
| Jul | 85°F | 65°F | 3.24" |
| Aug | 82°F | 63°F | 3.49" |
| Sep | 76°F | 55°F | 3.06" |
| Oct | 64°F | 45°F | 2.36" |
| Nov | 50°F | 34°F | 2.27" |
| Dec | 38°F | 26°F | 2.09" |
Healthcare5 hospitals, avg 3.3/5
Hospitals, ratings, and health insurance in Toledo
Toledo has 5 hospitals, averaging 3.3 out of 5 on CMS's quality rating.
Hospitals
5
within city limits
Uninsured
5.7%
of residents
Avg Hospital Rating
3.3 / 5
Promedica Toledo Hospital
Acute Care Hospitals · ER available
University of Toledo Medical Center
Acute Care Hospitals · ER available
Mercy St Vincent Medical Center
Acute Care Hospitals · ER available
- Main campus: Mercy St Vincent Medical Center · 2213 Cherry Street
- Hospital campus: Mercy Health — St. Anne Hospital · 3404 W Sylvania Ave, Toledo
Nationwide Children's Hospital Toledo, Llc
Childrens
Nearby hospitals · within 15 miles
Bay Park Community Hospital
Acute Care Hospitals · ER available · 6.1 mi away · Oregon
Assurance Health Toledo Llc
Psychiatric · 7.5 mi away · Sylvania
Arrowhead Behavioral Health
Psychiatric · 7.5 mi away · Maumee
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs. Campus locations © OpenStreetMap contributors.
Education15.9:1 student/teacher ratio
Schools and degree attainment in Toledo
Toledo's student/teacher ratio is 15.9:1, close to the national average of 16:1, and 21.9% of adults 25+ hold a bachelor's degree or higher.
Public Schools
92
within city limits
Private Schools
21
within city limits
College Degree Rate
21.9%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
15.9:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in Toledo
Public · 4-year · 9,770 students · in-state tuition $13,122 · 55% graduate · median earnings $55,537 (10 yrs after entry)
Private nonprofit · 4-year · 939 students · in-state tuition $19,702 · 66% graduate · median earnings $70,306 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Private for-profit · 2-year · 395 students · in-state tuition $14,369 · 65% graduate · median earnings $55,997 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: River Raisin National Battlefield Park, 20 mi
Nearby national parks, recreation areas and public libraries for Toledo
Toledo has 2 nearby national parks or recreation areas, closest being River Raisin National Battlefield Park (20 mi away).
Nearby National Parks & Recreation Areas
River Raisin National Battlefield Park
National Battlefield Park
20 mi awayPerry's Victory & International Peace Memorial
Memorial
40 mi awayPublic Libraries in Toledo
Toledo-Lucas County Public Library
325 Michigan St., Toledo
Birmingham Branch
203 Paine Ave., Toledo
Heatherdowns Branch
3625 Glanzman, Toledo
Kent Branch
3101 Collingwood Blvd., Toledo
Lagrange-Central Branch
3422 Lagrange Street, Toledo
Locke Branch
703 Miami, Toledo
Mott Branch
1010 Dorr St., Toledo
Point Place Branch
2727 117th Street, Toledo
Reynolds Corners Branch
4833 Dorr St., Toledo
Sanger Branch
3030 W. Central Avenue, Toledo
South Branch
1736 Broadway, Toledo
Toledo Heights Branch
423 Shasta Dr., Toledo
Cities Near Toledo
The closest cities within 60 miles
Planning a move to Toledo?
Read our full moving guide — what it's really like to live here.
Toledo FAQ
Is Toledo, Ohio affordable?⌄
Toledo's median rent is $901/month, which is below the national average, making it relatively affordable. The median household income is $49,724/year. Median home value is $114,500.
Is Toledo, Ohio safe?⌄
Toledo's violent crime rate was 872 per 100,000 residents in 2025, which is significantly above the national average of 329/100k that year. Property crime rate is 2539 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Toledo, Ohio?⌄
Toledo has an unemployment rate of 6.8%, which is above the national average of 4.3%.
What is the cost of living in Toledo, Ohio?⌄
The cost of living in Toledo is primarily driven by housing. Median rent is $901/month and median household income is $49,724/year. The median home value is $114,500. About 43% of renters spend more than 30% of their income on housing.
How is the commute in Toledo, Ohio?⌄
The average commute in Toledo is 20 minutes, which is shorter than average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from