ZIP 43604 (Toledo, OH) Housing Market Update: Tight Inventory, Rates Ease
43604 – February 24, 2026 – Downtown Toledo ZIP sees tight for-sale supply; prices vary by source, while mortgage rates eased near 6% nationally.
ZIP 43604 (Downtown Toledo, Ohio) continues to look like a small, fast-changing market: a limited number of active listings means each new (or price-reduced) home can move the local stats quickly.
Top takeaways
- Active inventory is still thin: Realtor.com currently shows 14 homes for sale in 43604.
- Recent sale prices remain relatively low on an absolute basis (around the low-$80Ks by Redfin’s January 2026 snapshot), but the year-over-year change can swing sharply in a small sample.
- Mortgage rates eased again nationally last week, which can slightly improve buying power for payment-focused shoppers.
Market snapshot (last reported month/most recent updates)
Prices: Redfin’s January 2026 data puts the median sale price in 43604 at about $81,250, with 6 homes sold that month and a median 79 days on market. Realtor.com’s local market dashboard lists a median sale price around $87,120 (recent reporting) and characterizes the ZIP as a seller-leaning market.
Listings: On the live search side, Realtor.com shows 14 active listings in the ZIP and an average 75 days on market for those homes. Zillow’s home value page shows a typical home value around $64,157 (data through January 31, 2026) and a small for-sale inventory count (8) on its own tracking, which is a reminder that different sites measure inventory differently.
Rentals: Realtor.com’s ZIP overview pegs the median rent around $1,072/month and shows a sizable set of rentals compared with the small for-sale pool.
Rates & financing
Freddie Mac’s Primary Mortgage Market Survey shows the national average 30-year fixed rate at 6.01% as of February 19, 2026 (down from 6.09% the prior week). For locals shopping payment-to-payment, even small weekly moves can matter on entry-level budgets common in 43604.
What’s for sale in 43604 right now (examples)
- Entry-level single-family: The current mix includes small single-family homes listed under $50K (at least one showing as pending), often signaling ‘needs work’ opportunities for investors or handy owner-occupants.
- Newer/new construction pocket: A 3-bedroom new construction listing is currently shown around the mid-$100Ks, suggesting there are still occasional new-build options, but not in high volume.
- Downtown condo options: Condo listings are appearing in the $200Ks–$300Ks range, which can be a very different monthly-payment profile than the entry-level single-family stock.
ServiceXTC local pros (directory check)
Today’s automated directory pull did not surface any verified ServiceXTC provider pages specifically tagged to ZIP 43604. If you’re a local inspector, roofer, remodeler, HVAC tech, plumber, electrician, or mover serving Downtown Toledo, getting listed helps homeowners (and buyers) find you faster.
Sources (no links in-body)
- Realtor.com: 43604 homes for sale search page and ZIP 43604 market dashboard
- Redfin: 43604 housing market page
- Zillow: 43604 home values page
- Freddie Mac: Primary Mortgage Market Survey (PMMS)
What are you seeing in 43604 right now: more investor activity, more owner-occupant showings, or more rentals hitting the market?