Direct recent-lease rent history
Monthly overall-rent index; missing observations are not filled from another geography.
Recent-lease rent$9582026-07 · +6.2% year over year
Rental vacancyn/an/a
Time on marketn/an/a
FIPS 39095 · population 428,018 · part of Toledo, OH
The latest county-level Zillow ZORI is $1,176 per month in 2026-06. It is a typical asking-rent index across rental types—not an arithmetic average, signed lease or quote for one property.
| Bedrooms | HUD monthly FMR | Geography | Measurement boundary |
|---|---|---|---|
| Studio | $769 | Lucas County, OH | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 1 bedroom | $820 | Lucas County, OH | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 2 bedrooms | $1,076 | Lucas County, OH | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 3 bedrooms | $1,380 | Lucas County, OH | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
| 4 bedrooms | $1,454 | Lucas County, OH | HUD administrative benchmark; compare with same-bedroom listings, never treat it as observed asking rent. |
Zillow asking rent, ACS gross rent and HUD FMR describe different housing universes. They remain separate and no metro, city or neighboring-county value replaces missing county evidence.Zillow pulled 2026-07-26 · HUD pulled 2026-07-26
Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.
Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.
Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.
Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2021-2025; latest 2025 vs 2024 · pulled 2026-08-02. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.
BEA per-capita personal income divides all personal income by the county population. It is broader than wages, but it is not household income or a measure of what renters can afford.
HUD CHAS separates renter households by income relative to local HAMFI. Moderate burden means housing costs above 30% through 50% of income; severe burden means more than 50%.
These Apartment List observations match the exact county Census code 39095. They are kept separate from Zillow asking rent, Census occupied-home rent and wider metro measures.
Monthly overall-rent index; missing observations are not filled from another geography.
Lucas County presents a cash-flow-versus-resilience and demand-quality tension. Zillow’s county observation reports a $180,031 median home value and $1,176 monthly median asking rent, with a supplied 7.84% annual gross yield before costs. That warrants property-level investigation for buyers able to verify carrying costs and flood exposure; caution is appropriate where resilience, resale liquidity, or tenant depth cannot be demonstrated. County evidence does not establish neighborhood performance.
Zillow’s home-value increase of 4.79% and asking-rent increase of 5.36% point in the same direction within its county observation, but the yield remains pre-cost. The $1,076 HUD two-bedroom Fair Market Rent is a payment standard, not an asking-rent estimate; measured market rent is 9.30% above it, but no yield is inferred from FMR. A 1.69% effective property-tax rate and $2,773 median annual tax make tax-bill and expense review necessary before treating gross yield as operating return.
QCEW annual covered employment at county workplaces changed only 0.05%, and covered workers averaged $1,242 weekly. Education and health services, the largest disclosed private supersector, represents 25.09% of total private covered jobs; this is neither resident employment nor the whole economy. Tax-return migration recorded 968 more moving households leaving than arriving, while inbound movers’ average AGI was $7,137 below outbound movers’. That combination does not prove rental absorption. Investor purchases were 548 of 4,155 total purchases, or 13.19%, showing measurable non-owner participation but not transaction pricing or buyer demand.
FHFA’s annual repeat-transaction HPI—not a home value—rose 5.04%, and its supplied five-year cumulative change was 50.77%. It directionally supports Zillow’s increase but has a different vintage and method, so the rates cannot be averaged. Inland flood is the dominant hazard; modeled annual expected building-value loss is 0.11%, not a dollar-loss estimate. Realtor.com MLS listing price, active supply, days on market, and reduction data are not published, preventing a visible-supply, marketing-time, or seller-concession assessment. Missing parcel flood data, insurance, condition, vacancy, operating expenses, and closed-sale evidence prevent net-yield and resale-liquidity conclusions.
This view uses 12 direct Zillow ZIP markets matched to Census ZCTAs. Each ZIP is assigned by its largest HUD residential county share; this is not an exhaustive county inventory.
Lucas County’s selected direct-evidence ZIP/ZCTA assignments form a wide rent field rather than a narrow middle. Zillow’s June 2026 ZORI, a typical observed asking-rent index, runs from $922 in 43623 to $1,982 in 43560—a $1,060 spread. The selected-set median is $1,142, compared separately with the county Zillow ZORI of $1,176. The practical question is therefore not whether one countywide number is affordable, but which current asking-rent band can fit a household’s budget and search constraints while leaving enough potential options to inspect. The endpoints show dispersion within this selected evidence, not a complete inventory or a ranking of places.
Zillow, ACS, and HUD answer different questions and should not be combined into a single rent estimate. The FY2026 HUD two-bedroom FMR is $1,076; selected Zillow ZORI readings equal 85.7% to 184.2% of that administrative, bedroom-specific standard. Those ratios are a benchmark comparison, not evidence that any advertised unit has two bedrooms or qualifies for a HUD program. Separately, ACS 2024 five-year ZCTA median gross rent ranges from $835 to $1,145, while the county ACS median is $934. ACS is a multiyear survey estimate rather than a current asking-rent index. Use each series for its stated purpose instead of averaging the figures or treating the gaps as discounts or premiums.
Affordability and vacancy show a different decision axis from rent level. The county ACS five-year burden share is 45.0%; among the selected ZCTAs, it runs from 32.1% to 55.5%. ACS vacancy ranges from 2.8% to 17.9%, a spread that may inform search conditions but does not establish currently available units. Together, these measures caution against reading a lower asking-rent index as affordability or a higher vacancy rate as proof of suitable supply. In 43608, the ACS median household income is $29,275, while the Zillow-derived 30%-of-income screen is $41,160 annually. That contrast is a mechanical, cross-source screen rather than a measure of a specific household’s rent or eligibility; burden, income, and vacancy should each be tested against the live unit and household circumstances.
Coverage and crosswalk rules limit what can be concluded. The display includes 12 of 14 eligible direct-ZORI ZIP/ZCTA matches and 55,442 renter households, so it is not an exhaustive county inventory or a substitute for a complete listing search. Census ZCTAs are statistical areas, not USPS delivery ZIPs; ZIPs were assigned to Lucas County by their largest HUD residential-address share, which ranges from 99.1% to 100.0% here. Before acting on any rent band, verify the exact property address and postal ZIP, county placement, live asking rent, bedroom count, availability date, utilities, fees, lease terms, and program eligibility. Apply the HUD figure only as its relevant bedroom-specific administrative standard, and compare it with the property’s actual terms rather than treating ZORI or ACS as a quotation.
14 ZIP profiles passed the county gate; the 12 with the most renter households are shown.
| ZIP / ZCTA | Zillow asking rent | ACS gross rent | HUD 2BR | Burden 30%+ | Vacancy | Income screen | HUD county share |
|---|---|---|---|---|---|---|---|
| 43615 | $1,273 | $1,043 | $1,076 | 41.9% | 4.6% | $51k | 100.0% |
| 43614 | $1,187 | $892 | $1,076 | 44.0% | 3.5% | $47k | 100.0% |
| 43612 | $1,125 | $1,028 | $1,076 | 46.0% | 10.0% | $45k | 100.0% |
| 43605 | $1,159 | $835 | $1,076 | 42.6% | 17.9% | $46k | 99.1% |
| 43609 | $1,029 | $873 | $1,076 | 50.0% | 12.4% | $41k | 100.0% |
| 43606 | $1,164 | $963 | $1,076 | 38.6% | 11.2% | $47k | 100.0% |
| 43607 | $1,116 | $877 | $1,076 | 49.7% | 16.7% | $45k | 100.0% |
| 43613 | $977 | $946 | $1,076 | 40.9% | 7.4% | $39k | 100.0% |
| 43537 | $1,741 | $1,012 | $1,076 | 32.1% | 2.8% | $70k | 100.0% |
| 43623 | $922 | $976 | $1,076 | 38.4% | 6.4% | $37k | 100.0% |
| 43608 | $1,029 | $883 | $1,076 | 55.5% | 15.7% | $41k | 100.0% |
| 43560 | $1,982 | $1,145 | $1,076 | 37.7% | 3.7% | $79k | 100.0% |
Open a five-digit report for asking rent, affordability, rent history and resale liquidity. Each row keeps its ZIP/ZCTA measurement scope.
| ZIP report | City label | Zillow rent | 1Y change | ACS burden 30%+ | Population |
|---|---|---|---|---|---|
| ZIP 43612 rental reportLucas County | Toledo, OH | $1,125 | ▲ 4.5% | 46.0% | 28,480 |
Zillow ZORI is an asking-rent index. ACS burden and population describe the Census ZCTA; missing observations remain n/a.
Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.
Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.
0.108% of building value expected lost per year
$2,773 median annual bill
7,462 in · 8,430 out
$54,893 arriving · $62,030 leaving
548 of 4,155 mortgages
A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.
| County | Population | Price | Rent | Yield | Hazard |
|---|---|---|---|---|---|
| Lucas County | 428,018 | $180k | $1,176 | 7.8% | inland flooding |
| Wood County | 132,064 | $246k | $1,642 | 8.0% | inland flooding |
| Fulton County | 42,240 | $234k | n/a | n/a | inland flooding |
No. The supplied two-bedroom FMR is a HUD payment standard; the record separately publishes measured median asking rent.
It is annual covered employment at workplaces in Lucas County, not resident employment, unemployment, or a forecast.
No. The record does not publish Realtor.com listing price, active listings, days on market, or price-reduction data.