HomeOhioLucas CountyToledo
Toledo, Ohio: commercial real estate data.
Toledo is a Census city of 267,463 people across 80.49 square miles of land, in Lucas County. Median household income is $49,724, 53.3 percent of occupied homes are owned, and the SBA record carries 434 7(a) approvals to borrowers here worth $146.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Toledo
What Toledo is
- Census place typecity
- Land area80.49 sq mi
- Water area3.34 sq mi
- Population per square mile of land3,323
- County holding the largest share of its areaLucas County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toledo
How many people live in Toledo
- Population267,463
- Median age35.8
- Population under 1861,114
- Share under 1822.8 percent
- Population 65 and over41,848
- Share 65 and over15.6 percent
- Households118,662
- Family households61,178
- Share of households that are families51.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toledo
Income and work in Toledo
- Median household income$49,724
- Per capita income$28,642
- Civilian labor force131,754
- Employed121,652
- Unemployed10,102
- Unemployment rate7.7 percent
- Adults 25 and over179,647
- Adults 25 and over with a high school diploma or higher88.7 percent
- Adults 25 and over with a bachelor degree or higher21.9 percent
- Adults 25 and over with a graduate degree7.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toledo
Housing in Toledo
- Housing units132,728
- Occupied units118,662
- Vacant units14,066
- Vacancy rate10.6 percent
- Owner occupied63,199
- Renter occupied55,463
- Ownership rate53.3 percent
- Median owner-occupied home value$114,500
- Median gross rent, monthly$901
- Annual rent as a share of median income21.7 percent
- Single family units90,608
- Share single family68.3 percent
- Units in buildings of two or more39,351
- Share in buildings of two or more29.6 percent
- Mobile homes2,715
- Median year structure built1955
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toledo
How Toledo gets to work
- Workers 16 and over who commute109,899
- Commuting under 15 minutes37,156
- Share commuting under 15 minutes33.8 percent
- Commuting 30 minutes or more18,245
- Share commuting 30 minutes or more16.6 percent
- Drove alone77.6 percent
- Carpooled10.9 percent
- Public transport1.1 percent plus or minus 0.2
- Walked2.0 percent
- Worked from home6.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toledo
SBA loans in Toledo (7(a))
- Approvals434
- Gross approval$146,826,300
- Average approval$338,309
- Median approval$63,650
- Ninetieth percentile approval$901,790
- Largest approval$5,000,000
- Jobs supported3,713
- Jobs per approval8.6
- Loans with a final outcome79
- Paid in full78
- Charged off1
- Charge-off rate over resolved loans1.3 percent
- Median term120 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises8.5 percent
- Distinct lenders51
- Distinct industries by NAICS141
Counted by borrower city: approvals to borrowers whose address is in Toledo, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Toledo
SBA loans in Toledo (504)
- Approvals44
- Gross approval$29,717,000
- Average approval$675,386
- Median approval$424,000
- Largest approval$2,919,000
- Jobs supported499
- Loans with a final outcome16
- Charged off1
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Toledo, in any county, FY2010 to FY2026. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Toledo
Flood risk in Toledo
- NFIP communityCity of Toledo
- NFIP community number395373
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/22/24
The City of Toledo participates in the National Flood Insurance Program as community 395373 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lucas County, not Toledo
Lucas County context, not Toledo figures
- Establishments in Lucas County9,282
- Covered employment, Lucas County194,869
- Average annual pay, Lucas County$62,231
- Housing units permitted, Lucas County413
Every figure in this section is published for Lucas County as a whole and is not a measurement of Toledo.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Toledo questions, answered from the record.
How many people live in Toledo, Ohio?
267,463, in 118,662 households. Toledo city covers 80.49 square miles of land, which is 3,323 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Toledo in?
Lucas County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Toledo?
$49,724. The median owner-occupied home is valued at $114,500. Median gross rent is $901 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Toledo businesses?
434 7(a) approvals totaling $146.8 m since FY2020, across 51 lenders, median approval $63,650, plus 44 504 approvals worth $29.7 m since FY2010. These count approvals to borrowers whose address is in Toledo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Toledo borrowers get paid back?
Of the 79 loans that have reached a final outcome, 78 were paid in full and 1 charged off, a charge off rate of 1.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Toledo in the National Flood Insurance Program?
Yes. Toledo appears in the FEMA Community Status Book as Toledo, city of, community 395373, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Toledo figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lucas County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Toledo.
Is zoning published for Toledo?
No. Nothing on this page presents parcel level zoning.
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