ZIP Code 43609 — Toledo, OH Home Prices (2026)
The typical home in ZIP 43609 (Toledo, Ohio) is worth about $71,000 at roughly $80 per square foot — 41% more affordable than the Toledo median and 76% more affordable than the typical U.S. home.
How 43609 compares
ZIP 43609 is one of the more affordable ZIP codes in Toledo: its typical home value of $71,000 ranks #11 of the 15 Toledo ZIP codes we track (the citywide range runs from $49,000 in 43608 to $334,000 in 43617). Per square foot it costs about $80, against $103 for Toledo as a whole, $159 for Ohio, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 43609 | $71,000 | $80 |
| Toledo, OH | $121,000 | $103 |
| Ohio | $230,000 | $159 |
| United States | $294,000 | $195 |
Home value by size in 43609
Using this ZIP’s rate of about $80 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $80,000 |
| 1,500 sq ft | $120,000 |
| 2,000 sq ft | $160,000 |
| 2,500 sq ft | $200,000 |
| 3,000 sq ft | $240,000 |
Salary needed to buy a home in ZIP 43609
To buy the typical $71,000 home in ZIP 43609 with 20% down, you need a household income of roughly $19,000 a year (about $450 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $23,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $3,600 | $560/mo | $24,000/yr |
| 10% (+PMI) | $7,100 | $540/mo | $23,000/yr |
| 20% | $14,200 | $450/mo | $19,000/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 ZIP 43609
At about $80 per square foot, here is roughly how much home different budgets get you in ZIP 43609:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1880 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 3130 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3750 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 pre-filled with a typical 43609 home.
Estimate a specific home in 43609
The estimator below is pre-set to ZIP 43609 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Toledo ZIP codes by home value
Where 43609 sits among Toledo’s 15 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 43617 | $334,000 | $166 |
| 2 | 43623 | $211,000 | $144 |
| 3 | 43614 | $207,000 | $144 |
| 4 | 43606 | $198,000 | $139 |
| 5 | 43615 | $184,000 | $145 |
| 6 | 43613 | $162,000 | $116 |
| 7 | 43611 | $159,000 | $113 |
| 8 | 43612 | $121,000 | $103 |
| 9 | 43620 | $94,000 | $69 |
| 10 | 43607 | $81,000 | $75 |
| 11 | 43609 (this page) | $71,000 | $80 |
| 12 | 43605 | $66,000 | $69 |
| 13 | 43604 | $64,000 | $62 |
| 14 | 43610 | $62,000 | $62 |
| 15 | 43608 | $49,000 | $56 |
ZIP 43609 home prices: frequently asked
What is the average home price in ZIP code 43609? +
What is the price per square foot in 43609? +
What salary do you need to buy a house in ZIP 43609? +
Is 43609 an expensive ZIP code? +
See the full Toledo home values page, all Ohio cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.