Metro area index
Home appreciation in the Toledo, OH metro area
FHFA HPI® data shows the Toledo, OH metro area's all-transactions index changed +3.4% over the year to Q2 2026, versus +4.3% for Ohio and +3.0% for the U.S. That ranks 197th of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +3.4%
- 5-year change
- +42.8%
- Since Q1 1995
- +162%
- Metro rank (1 year)
- 197th
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
Toledo, OH vs Ohio and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- Toledo, OH: 262.2
- Ohio: 301.1
- United States: 391.6
Appreciation by time window
| Window | Metro | OH | U.S. | Gap vs OH | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +3.4% | +4.3% | +3.0% | −0.9 pts | +0.4 pts |
| 3 years | +17.6% | +18.3% | +12.9% | −0.7 pts | +4.7 pts |
| 5 years | +42.8% | +48.1% | +41.3% | −5.3 pts | +1.5 pts |
| 10 years | +87.5% | +103% | +93.3% | −15.1 pts | −5.8 pts |
| Since Q1 1995 | +162% | +201% | +292% | −38.9 pts | −129.4 pts |
3-digit ZIP regions in the Toledo, OH area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 436 · Toledo, OH area | OH | +3.1% | +45.5% | +156% | 100% |
| 435 · Perrysburg, OH area | OH | +4.0% | +42.2% | +166% | 64% |
| 434 · Bowling Green, OH area | OH | +4.0% | +46.2% | +194% | 41% |
Boom, bust, and recovery in Toledo, OH area
Toledo, OH area's index peaked in Q3 2005, fell 22.0% to its low in Q1 2013, and regained its peak in Q4 2019, about 14.2 years after the top. Today it sits +62.6% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q3 2005 | Q1 2013 | -22.0% | Q4 2019 (14.2 yrs) | +62.6% |
| OH | Q4 2005 | Q2 2012 | -12.9% | Q2 2017 (11.5 yrs) | +95.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, Toledo, OH area's index has changed +18.4% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | OH after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -0.5% | +0.4% | -0.8% |
| 3 years | +9.8% | +7.0% | +7.7% | +2.8% |
| 5 years | +24.0% | +15.2% | +19.4% | +13.9% |
| 10 years | +39.1% | +34.8% | +45.7% | +39.0% |
| Since Q1 1995 | +121% | +18.4% | +36.0% | +76.8% |
If you bought in the Toledo, OH area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +158% | $774,611 |
| Q2 2000 | +100% | $601,284 |
| Q2 2005 | +63.4% | $490,300 |
| Q2 2010 | +96.6% | $589,787 |
| Q2 2015 | +95.6% | $586,707 |
| Q2 2020 | +59.5% | $478,460 |
| Q2 2021 | +42.8% | $428,492 |
| Q2 2023 | +17.5% | $352,645 |
| Q2 2025 | +3.4% | $310,150 |
Frequently asked questions
- How much have home prices risen in the Toledo, OH area?
- FHFA HPI® data for the Toledo, OH metro area shows changes of +3.4% over one year, +42.8% over five years, and +87.5% over ten years to Q2 2026, and +162% since Q1 1995.
- Is the Toledo, OH area beating the national average?
- Over the past year the metro's index moved +0.4 pts versus the U.S.; over five years the gap is +1.5 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.