Lucas County, OH Average Home Price (2026)
The average home price in Lucas County, Ohio is about $195,000 (the 2026 median across 25 ZIP codes, at ~$141/sq ft) — 14% more affordable than the Ohio median and 33% more affordable than the typical U.S. home.
How Lucas County compares
Lucas County is relatively affordable for housing nationally: its typical home costs $195,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $55,000 to $453,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Lucas County | $195,000 | $141 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Cities in Lucas County
Cities with their own home-value page, largest first:
Lucas County home prices by ZIP code
The 15 most valuable ZIP codes in Lucas County (of 25 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 43542 Monclova | $453,000 | $218 | +132% |
| 43571 Whitehouse | $387,000 | $206 | +98% |
| 43566 Waterville | $339,000 | $215 | +74% |
| 43617 Toledo | $328,000 | $152 | +68% |
| 43560 Sylvania | $322,000 | $178 | +65% |
| 43528 Holland | $292,000 | $191 | +50% |
| 43504 Berkey | $289,000 | $146 | +48% |
| 43537 Maumee | $283,000 | $179 | +45% |
| 43616 Oregon | $231,000 | $193 | +18% |
| 43412 Curtice | $209,000 | $192 | +7% |
| 43623 Toledo | $208,000 | $141 | +7% |
| 43614 Toledo | $204,000 | $126 | +5% |
| 43606 Toledo | $195,000 | $133 | +0% |
| 43615 Toledo | $181,000 | $144 | -7% |
| 43547 Neapolis | $163,000 | $217 | -16% |
Home value appreciation in Lucas County
Home prices in Lucas County have risen about 86% over the last 10 years (≈6.4% a year) and +47.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $195,000 today was worth roughly $104,726 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Ohio is +93.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Lucas County
Run the numbers for Lucas County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Lucas County
To buy the typical $195,000 home in Lucas County with 20% down, you need a household income of roughly $53,000 a year (about $1,240 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,800 | $1,540/mo | $66,000/yr |
| 10% (+PMI) | $19,500 | $1,470/mo | $63,000/yr |
| 20% | $39,000 | $1,240/mo | $53,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Lucas County
At about $141 per square foot, here is roughly how much home different budgets get you in Lucas County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1060 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1420 sq ft | around the typical home here |
| $250k | 1770 sq ft | around the typical home here |
| $300k | 2130 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2840 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Ohio.
Estimate a specific home in Lucas County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Lucas County home prices: frequently asked
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Browse all Ohio cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.