Median Income
$56,719
25% lower than US avg
Home Value
$124,000
56% lower than US avg
Violent Crime
398/100K
5% higher than US avg
Bachelor's+
16.7%
50% lower than US avg
Median Rent
$958
18% lower than US avg
Obesity Rate
41.9%
31% higher than US avg
Unemployment
3.5%
3% lower than US avg
Poverty Rate
20.7%
67% higher than US avg
How Toledo Compares to the U.S. Average (100% = U.S. avg)
People
Population2,079
Median Age41.2 yrs
Density904/mi²
Male / Female47% / 53%
Largest GroupWhite 85%
Veterans10.3%
Economy
B
Median Income$56,719
Per Capita$27,403
Unemployment3.5%
Poverty20.7%
County GDP$1,654M
Commute21 min
Housing
A+
Home Value$124,000
Rent$958
Ownership70.5%
Zillow$168,185
Housing Units973
Rent Burden32.4%
Crime
F
Violent398/100K
Property2,034/100K
Murder0.0/100K
Assault354/100K
Burglary354/100K
Health
Obesity41.9%
Uninsured11.9%
Smoking19.1%
Depression21.4%
Heart Disease6.4%
Climate
Avg Temp48°F (9°C)
AQI43 (Good)
Rain38.2 in/yr
Sunny Days275/yr
Elevation869 ft (265 m)
Education
C
Bachelor's+16.7%
High School+92.2%
Graduate+2.6%
School Score6.42
Community
2024 VoteR 58% / D 41%
Commute21 min
Broadband83.6%
EV Stations1
Libraries3
Is Toledo a Good Place to Live?
Based on current data, Toledo receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Toledo has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Toledo is $56,719, 25% below the national average of $75,149. Unemployment stands at 3.5%, indicating a healthy job market. The poverty rate of 20.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Toledo is $124,000, 56% below the national median / offering relatively affordable homeownership. Renters pay a median of $958 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 398 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 2,034 per 100,000, near the national average.
Education
16.7% of residents hold a bachelor's degree, below the national average of 33.7%. 92.2% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Toledo experiences four distinct seasons with an average temperature of 48°F. Winters average 19°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 38.2 inches, including 31.0 inches of snow. Air quality is rated Good with a median AQI of 43.
Toledo has a population of 2,079 with a density of 904 people per square mile, spread across 2.3 square miles. The median age is 41.2 years, 6% older than the national median of 38.9. The gender split is 53.4% female and 46.6% male. The city is predominantly White (85.1%), with 8.7% Hispanic, 3.3% Black. English is the primary language spoken at home by 92.2% of residents, while 7.8% speak Spanish. 10.3% of the population are veterans, above the national rate of 6.0%. 8.8% of residents have a disability (below the 13.0% national average). 92.2% have health insurance coverage.
Population
41.2yrs
Median Age
6% above US avg
Language Spoken at Home
English Only
92.2%
17% above US avg
Spanish
7.8%
42% below US avg
The median household income in Toledo is $56,719, which is 25% below the national average of $75,149. Per capita income is $27,403 (below the $39,052 national figure). The average weekly wage is $1,108, 23% lower than the U.S. average. The unemployment rate is 3.5% (below the 3.6% US average). 20.7% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 699 business establishments, including 47 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 1.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $56,719 |
| 25% below US avg |
| Per Capita Income | $27,403 |
| Avg Weekly Wage | $1,108 |
| IRS Avg AGI | $77,315 |
| Gini Index | 0.480 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.5% |
| 3% below US avg |
| Poverty Rate | 20.7% |
| 67% above US avg |
| Establishments (County) | 699 |
| County GDP | $1,654M |
Business (County)
| Restaurants | 47 |
| Healthcare | 62 |
| Retail | 80 |
| Manufacturing | 30 |
Tax & Cost of Living
| Property Tax (IRS) | $4,683 |
| 34% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 3.78% |
Commute & Transportation
| Commute Time | 20.8 min |
| Drive Alone | 83.1% |
| Public Transit | 0.0% |
| Work from Home | 1.5% |
The median home value in Toledo is $124,000, 56% below the national median of $281,900. Zillow estimates the typical home value at $168,185, higher than the Census estimate. Monthly rent averages $958 (18% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 70.5% of housing units are owner-occupied. There are 973 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $4,683 (higher than the $3,500 national average). 32.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $124,000 |
| 56% below US avg |
| Zillow ZHVI | $168,185 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $958 |
| 18% below US avg |
| Rent Burden | 32.4% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 70.5% |
| Owner-Occupied | 70.5% |
| Renter-Occupied | 29.5% |
| Housing Units | 973 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $4,683 |
| 34% above US avg |
| Effective Rate | 3.78% |
In Toledo, 41.9% of adults are obese, above the national rate of 32.1%. 11.8% have diabetes. Heart disease affects 6.4% of residents. 32.6% have high blood pressure. 19.1% are current smokers (above the 14.0% national rate). 20.4% report binge drinking. 30.8% are physically inactive, above the national average. 21.4% report depression. 18.8% experience frequent mental distress. 11.9% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,162. The dentist ratio is 1:1,679. 70.8% of residents have access to exercise opportunities. The food environment index is 8.9 out of 10.
Health Metrics: Toledo vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.9% |
| 31% above US avg |
| Diabetes | 11.8% |
| Heart Disease | 6.4% |
| High Blood Pressure | 32.6% |
| Asthma | 10.5% |
| COPD | 7.7% |
| Cancer | 7.0% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 19.1% |
| 36% above US avg |
| Binge Drinking | 20.4% |
| Physical Inactivity | 30.8% |
| Depression | 21.4% |
| Mental Distress | 18.8% |
| Physical Distress | 14.5% |
| Short Sleep | 35.5% |
Healthcare Access
| Insurance Rate | 92.2% |
| Uninsured | 11.9% |
| 38% above US avg |
| Primary Care | 1:1,162 |
| Dentists | 1:1,679 |
| Mental Health | 1:595 |
| Checkup Rate | 74.6% |
| Dental Visits | 61.2% |
| Premature Death | 6,568/100K |
Food & Exercise
| Food Environment | 8.9/10 |
| Exercise Access | 70.8% |
| Healthcare Facilities | 62 |
Toledo has a violent crime rate of 398 per 100,000 residents, 5% above the national average of 380. This breaks down to aggravated assault at 353.7 per 100,000, robbery at 0.0, rape at 44.2. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,034 per 100,000, 4% above the U.S. average. This includes larceny/theft at 1,503, burglary at 354, vehicle theft at 177 per 100,000 residents. The county recorded 2 fatal traffic crashes. Overall, Toledo receives a safety grade of F.
Crime Rates: Toledo vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 397.9/100K |
| 5% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 44.2/100K |
| Robbery | 0.0/100K |
| Assault | 353.7/100K |
Property Crime
| Total Property | 2,033.6/100K |
| 4% above US avg |
| Burglary | 353.7/100K |
| Theft | 1,503.1/100K |
| Vehicle Theft | 176.8/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Traffic Accidents | 7 |
| Avg Accident Severity | 2.6 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Toledo experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 19°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 38.2 inches. The area receives 31.0 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 869 feet.
Temperature
19°F Jan (-7°C)
73°F Jul (23°C)
| Annual Average | 47.5°F |
| 12% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 869 ft (265 m) |
| Area | 2.3 sq mi (6.0 km²) |
| Population Density | 904/sq mi |
| Coordinates | 41.9902°N, 92.5803°W |
| Timezone | America/Chicago |
| County | Poweshiek County County |
| Nearest Airport | Waterloo Regional (ALO)
40 miles away |
Precipitation & Snow
Annual Rainfall
38.2"
0% below US avg
Wettest Month (Jun)
4.72"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 31.3 / 100 |
| Social Vulnerability | 21.4 / 100 |
| Community Resilience | 84.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
688 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 43 fatalities, 1,120 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 25, 2008 |
EF5 |
67 km |
9 |
| May 15, 1968 |
EF5 |
93 km |
5 |
| May 15, 1968 |
EF5 |
97 km |
13 |
| Mar 31, 2023 |
EF4 |
88 km |
0 |
| Mar 13, 1990 |
EF4 |
99 km |
0 |
| May 30, 1989 |
EF4 |
58 km |
0 |
| Sep 28, 1986 |
EF4 |
89 km |
0 |
| Aug 12, 1974 |
EF4 |
43 km |
0 |
| Aug 12, 1974 |
EF4 |
99 km |
0 |
| Jun 18, 1974 |
EF4 |
91 km |
2 |
| Aug 26, 1965 |
EF4 |
47 km |
1 |
| Sep 1, 1961 |
EF4 |
94 km |
0 |
| Apr 30, 1954 |
EF4 |
70 km |
0 |
| Jul 19, 2018 |
EF3 |
38 km |
0 |
| Jul 19, 2018 |
EF3 |
66 km |
0 |
| May 25, 2008 |
EF3 |
82 km |
0 |
| May 21, 2004 |
EF3 |
63 km |
0 |
| May 11, 2000 |
EF3 |
60 km |
1 |
| Jun 19, 1993 |
EF3 |
99 km |
0 |
| Mar 22, 1991 |
EF3 |
87 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
5 wildfires (100+ acres) within 100 km.
Largest: NEAL SMITH WUI 2016 1 (1,050 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
NEAL SMITH WUI 2016 1 |
1,050 |
74 km |
| 2009 |
UNNAMED |
939 |
30 km |
| 2010 |
FOLEY |
786 |
33 km |
| 2011 |
ACE AUTO |
676 |
43 km |
| 2011 |
IRCP WUI ROFAE #2 FY11 |
510 |
23 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
1.0 in |
Coldest, Driest |
| February |
24°F (-5°C) |
1.1 in |
|
| March |
36°F (2°C) |
2.3 in |
|
| April |
49°F (9°C) |
3.4 in |
|
| May |
60°F (16°C) |
4.3 in |
|
| June |
70°F (21°C) |
4.7 in |
Wettest |
| July |
73°F (23°C) |
4.3 in |
Warmest |
| August |
71°F (22°C) |
4.4 in |
|
| September |
63°F (17°C) |
3.7 in |
|
| October |
51°F (11°C) |
2.7 in |
|
| November |
36°F (2°C) |
2.2 in |
|
| December |
23°F (-5°C) |
1.3 in |
|
Toledo has a seasonal temperature swing of 53°F / from 19°F in January to 73°F in July. Total annual precipitation is 35.4 inches, with June being the wettest month (4.7") and January the driest (1.0").
Average costs for common services in Toledo. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $699 |
| Toddler | $602 |
| Preschool | $602 |
| Family Childcare (monthly) |
| Infant | $472 |
| Toddler | $464 |
| Preschool | $464 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Toledo
What is the population of Toledo?
Toledo has a population of 2,079 residents and is located in Iowa. The population density is 904 people per square mile, spread across 2.3 square miles. The median age of residents is 41.2 years, which is older than the national median of 38.9 years. The population is 53.4% female and 46.6% male.
Is Toledo expensive to live in?
Toledo is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $56,719, 25% below the national average of $75,149. The median home value is $124,000 (56% below the U.S. median). Renters pay a median of $958 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Toledo safe?
The violent crime rate in Toledo is 398 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 2,034 per 100,000 (above the national average). Overall, Toledo receives a safety grade of F based on combined crime data.
What is the weather like in Toledo?
Toledo has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 19°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 38.2 inches, with 31.0 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Toledo?
Toledo has a healthy job market with an unemployment rate of 3.5%, near the national average of 3.6%. The average weekly wage is $1,108. There are 699 business establishments in the area, including 47 restaurants and food service locations. The average commute time is 21 minutes, and 1.5% of workers work from home.
How much does housing cost in Toledo?
The median home value in Toledo is $124,000. Zillow estimates the typical home value at $168,185. For renters, the median monthly rent is $958. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 70.5%. The average annual property tax is $4,683.
How are the schools in Toledo?
Schools in Toledo score 6.4 out of 10 on standardized testing, near the national average. 16.7% of adults in Toledo hold a bachelor's degree or higher, below the national average of 33.7%. 92.2% have completed high school. 2.6% hold a graduate or professional degree.
How healthy is Toledo?
The obesity rate in Toledo is 41.9% (above the national rate of 32.1%). 19.1% of adults are smokers. 30.8% are physically inactive. 21.4% of residents report depression. 11.9% lack health insurance (above the national rate). 70.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,162.
What is transportation like in Toledo?
The average commute in Toledo is 21 minutes, shorter than the national average of 28 minutes. 83.1% of workers drive alone to work, and 1.5% work from home.
What are the demographics of Toledo?
The racial and ethnic makeup of Toledo is 85.1% White, 3.3% Black or African American, 8.7% Hispanic or Latino. 92.2% of residents speak only English at home, while 7.8% speak Spanish. 10.3% of the population are military veterans. 8.8% of residents have a disability. 92.2% have health insurance coverage.
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