43614Toledo, Ohio

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 43614.

58out of 100
Area Score
Bottom 42% of 5,298 published profiles

How we calculate this

How this area ranks
Opportunity5244th of 6,210 published ZIP areas36
Schools3413th of 4,422 published ZIP areas30
Growth4999th of 5,428 published ZIP areas21
Housing affordabilityTop 10% of 6,685 published ZIP areas100
Climate4768th of 6,789 published ZIP areas63
Physical resilienceTop 14% of 6,709 published ZIP areas86
AccessTop 8% of 6,791 published ZIP areas99
Economic stability4009th of 6,742 published ZIP areas55
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 4.9% and the Opportunity signal places 43614 in the bottom 16%.

Housing is more affordable relative to local incomes than in most published city profiles: rent takes 18% of median household income and the median home is 2.9 times it.

Natural-hazard exposure is lower than in most comparable published ZIP profiles, placing 43614 in the top 14% for physical resilience.

At a glance

Population
29,075
2024 ACS 5-Year
Median household income
$58,961
Bottom 28% nationally
Density
3,237/sq mi
9.0 sq mi of land
Median age
40.0
2024 ACS 5-Year
City
Toledo
Ohio
Metro area
Toledo, OH
Nearest major airport
TOL
9 mi · Eugene F Kranz Toledo Express
Median home value
$168,400
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.9% is lower than 31% of the 6,544 measured US ZIP areas.

Employment fell 1.1% over the past year, to 114,006 employed residents.

34% of adults hold a four-year degree, higher than 72% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$5,534$58,961Bottom 28%2024 ACS 5-Year
Per capita income ±$2,465$36,737Top 49%2024 ACS 5-Year
Poverty rate15.4%Top 30%2024 ACS 5-Year
Average commute23.3 minBottom 26%2024 ACS 5-Year
Bachelor's degree or higher33.6%Top 28%2024 ACS 5-Year
Employment114,006Top 32%June 2026
Employment change (3 years)-2.4%Bottom 16%June 2026
Employment change (year over year)-1.1%Bottom 42%June 2026
Labor force119,929Top 32%June 2026
Labor force participation63.3%Top 40%2024 ACS 5-Year
Mean annual wage$61,210Bottom 24%2025 OEWS
Median annual wage$48,220Bottom 28%2025 OEWS
Unemployment change (year over year)-1.6%Bottom 1%June 2026
Unemployment rate4.9%Top 31%June 2026
Median household income, successive ACS releases
202120222023202459k50k
Each point is a separate five-year estimate, most recently $58,961 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Toledo, OH
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers9,280$27,570
Miscellaneous Assemblers and Fabricators9,030$49,740
Laborers and Freight, Stock, and Material Movers, Hand8,120$42,640
Registered Nurses7,890$81,050
Retail Salespersons7,360$30,780
General and Operations Managers7,320$95,120

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Toledo, OH, the city containing this ZIP code.

31% of students met the state standard in mathematics and 40% in reading, across the schools here that reported results.

There are 16.6 students for every full-time teacher, more than in most measured places.

Public schools
7
2024-25 school year
Students per teacher
16.6
across all schools here
Math proficiency
30.5%
Bottom 26% in Ohio
Reading proficiency
40.4%
Bottom 29% in Ohio
SchoolDistrictStudentsPer teacherMathReading
Bowsher High SchoolToledo City77216.8
Northwest Ohio Classical Academy · charterNorthwest Ohio Classical Academy60717.355%62%
Beverly Elementary SchoolToledo City55717.434%43%
Glendale-Feilbach Elementary SchoolToledo City33514.06%12%
Crossgates Pre-SchoolToledo City32332.3
Byrnedale Elementary SchoolToledo City31613.215%34%
Harvard Elementary SchoolToledo City26213.116%30%

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Ohio’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $892 takes 18% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.9 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
18.2%
Below the 30% cost-burdened threshold
Home price to income
2.9×
median home value ÷ median income
Median gross rent
$892
2024 ACS 5-Year
Median home value
$168,400
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.86Bottom 42%2024 ACS 5-Year
Homeownership rate59.3%Bottom 15%2024 ACS 5-Year
Housing units ±70914,642Top 9%2024 ACS 5-Year
Median gross rent ±$46$892Bottom 36%2024 ACS 5-Year
Median home value ±$4,720$168,400Bottom 34%2024 ACS 5-Year
Rent as a share of income18.2%Top 46%2024 ACS 5-Year
Vacancy rate3.5%Bottom 14%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
21/ 100
Ranks 4999 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.1 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
34
12 months ending July 2026
Per 1,000 residents
0.1
Bottom 7% nationally
Year over year
+21%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Toledo, OH, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 85°F and January a low of 20°F.

Normal annual precipitation is 32.4 inches.

Air quality measures a median index of 52, in the Moderate band, and about 4 days a year pass 100, the threshold at which the air is unhealthy for sensitive groups.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station TOLEDO METCALF FLD, 8.3 miles from this location.
Precipitation
JFMAMJJASOND3.5"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index74.02024 calendar year
Annual precipitation32.4"1991-2020 Normals
Average January low20°F1991-2020 Normals
Average July high85°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10042024 calendar year
Median air quality index52.02024 calendar year
Seasonal temperature swing48°F1991-2020 Normals
Air quality
Median air quality index
52
Moderate on a typical day
Worst tenth of days
74
90th percentile index
Days above 100
4
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

86 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, earthquake and hail.

TornadoModerate
HailModerate
Ice stormModerate
LightningModerate
EarthquakeModerate
Winter weatherModerate
Heat waveModerate

Low or minimal exposure: inland flooding, strong wind, cold wave, hurricane, coastal flooding, drought, landslide, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Lucas County records 9.2 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 18.8 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 30.1 per 100,000 residents in Lucas County.

Homicide
9.2
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
18.8
per 100,000 residents · under 10 deaths
Drug overdose
30.1
per 100,000 residents · under 10 deaths
Suicide
19.0
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Lucas County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 43614 rather than 43614 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

6 major airports lie within 100 miles, the nearest 9 miles away.

AirportCodeDistanceLongest runway
Eugene F Kranz Toledo ExpressTOL9 mi10,600 ft
Detroit Metro Wayne CountyDTW44 mi12,003 ft
Mansfield Lahm RgnlMFD79 mi9,001 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
58
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

43614 vs Toledo

How this ZIP area compares with Toledo as a whole. Both figures come from the same ACS release, so the comparison is like for like.

43614
Toledo
Median household income
$58,961
vs
$49,724
Per capita income
$36,737
vs
$28,642
Population density
3,237/sq mi
vs
3,323/sq mi
Median home value
$168,400
vs
$114,500
Median gross rent
$892
vs
$901
Homeownership rate
59.3%
vs
53.3%
Bachelor's degree or higher
33.6%
vs
21.9%
Poverty rate
15.4%
vs
24.3%
Median age
40.0
vs
35.8

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.