Sep 2026
$239K
+5.9% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Toledo, OH housing market
Toledo, OH metro median sale price $239K in Sep 2026, up 5.9% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Toledo, OH metro is $239K as of Sep 2026, up 5.9% from a year earlier. The gain is larger than in most of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a smaller change, up 3.4% through Q2 2026, 2.5 points apart; Price reconciliation below shows both.
On median sale price, Toledo ($239K) ranks 8th of the 12 Ohio metros Pecan Street tracks, between Canton ($241K) and Mansfield ($223K). On median days on market, Toledo (37 days) ranks 11th of the 12 Ohio metros, between Lima (39 days) and Canton (36 days). On share of listings with a price cut, Toledo (33%) ranks 11th of the 12 Ohio metros, between Canton (42%) and Sandusky (32%).
Listings spent a median 37 days on market in Sep 2026, the 14th-fewest of the 385 metros. 33% of active listings carry a price cut, 1.9 points more than a year earlier. That share is lower than in most of the 385 metros. Median asking prices sit about 8% below the median sale price.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,309 a month; at 28% of gross income, that takes about $56K a year. The median sale price equals about 14 years of HUD Fair Market Rent, a ratio unchanged from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $142 per square foot, down 1.6% from a year earlier.
In nine of the 12 ZIP codes in the table below, median list prices are higher than a year earlier; three are lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,309/mo
$56K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Toledo compares to other U.S. metros
| Days on market | ↓372nd of 385 |
|---|---|
| Asking-vs-sale gap | ↓278th of 292 |
| Home-price growth | ↑68th of 383 (top 18%) |
| Price-to-rent | ↓292nd of 373 |
| Price cuts | ↓264th of 385 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 14 0.0% YoY ↓292nd of 373 |
|---|---|
| Asking price / sq ft | $142 -1.6% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 33% +1.9 pts YoY ↓264th of 385 |
|---|
The median asking price $220K runs about 8% below the median sale price $239K.
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 60 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 2.5ppRedfin (metro) +5.9% | FHFA HPI · Q2 2026 +3.4% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in OH
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 43537 | $330K↑ | 53↓ | 38↓ | 18↓ | 35↑ | $284K↑ |
| 43551 | $449K↑ | 95↓ | 34↓ | 22↓ | 45↓ | $339K↑ |
| 43560 | $427K↑ | 101↑ | 52↑ | 34↑ | 44 | $323K↑ |
| 43605 | $81K↑ | 65↑ | 24↓ | 20↑ | 38↑ | $66K↑ |
| 43606 | $236K↑ | 51↑ | 32↓ | 14↑ | 30↑ | $196K↑ |
| 43607 | $90K↓ | 63↑ | 26↑ | 16↑ | 42↓ | $77K↑ |
| 43609 | $72K↑ | 59↑ | 22↓ | 28↑ | 48↑ | $72K↑ |
| 43612 | $120K↑ | 55↑ | 36↑ | 20↑ | 40↑ | $119K↑ |
| 43613 | $144K↓ | 68↑ | 52↑ | 30↑ | 33↑ | $161K↑ |
| 43614 | $188K↓ | 51↓ | 40↓ | 16↑ | 25↓ | $205K↑ |
| 43615 | $224K↑ | 65↑ | 50↑ | 20↑ | 31↑ | $181K↑ |
| 43616 | $329K↑ | 46↑ | 32↑ | 14 | 24↓ | $233K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.