ZIP Code 43620 — Toledo city, OH Demographics & Data

ZIP code 43620 covers Toledo, OH in Lucas County with a population of about 5,039.

At a glance, the area shows median age of 32.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 419, 567; U.S. House district OH-9; the TOLEDO media market.

Toledo, OH sits in a university / college context (near toledo public schools adult and continuing education (0.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 43620 is about $21,405 — about 72% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 42.1%; unemployment rate near 14.2%; 27.3% of adults with a bachelor’s degree or higher (about 6.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 9.2% of workers reporting work-from-home (about 6.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $115,600 — about 67% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $486 (about 58% below the U.S. median rent ($1,163)), and owner-occupancy near 29.1% (about 36.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 43620 in Toledo, OH, a household would need roughly $32,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $743. That is about 49% above the local median household income ($21,405), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Toledo city, OH as Relatively Moderate (composite score 92.4), which is among the highest nationally. The strongest component scores on US5 are flood (95.4) and hurricane (56.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Toledo city, OH show little to no average snow and around 32.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 214 for ZIP 43620 (Toledo city, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.