Median Income
$59,881
20% lower than US avg
Home Value
$92,200
67% lower than US avg
Bachelor's+
18.7%
45% lower than US avg
Median Rent
$650
44% lower than US avg
Obesity Rate
39.9%
24% higher than US avg
Unemployment
1.6%
56% lower than US avg
Poverty Rate
6.5%
48% lower than US avg
How Toledo Compares to the U.S. Average (100% = U.S. avg)
People
Population1,209
Median Age42.1 yrs
Density1,358/mi²
Male / Female48% / 52%
Largest GroupWhite 96%
Veterans4.3%
Economy
A
Median Income$59,881
Per Capita$30,326
Unemployment1.6%
Poverty6.5%
County GDP$1,828M
Commute23 min
Housing
A+
Home Value$92,200
Rent$650
Ownership69.3%
Zillow$164,841
Housing Units575
Rent Burden18.4%
Health
Obesity39.9%
Uninsured6.9%
Smoking16.5%
Depression25.3%
Heart Disease5.7%
Climate
Avg Temp53°F (12°C)
Rain36.0 in/yr
Elevation600 ft (183 m)
Education
C
Bachelor's+18.7%
High School+92.0%
Graduate+4.4%
School Score5.31
Community
2024 VoteR 80% / D 18%
Commute23 min
Broadband84.9%
EV Stations2
Libraries3
Is Toledo a Good Place to Live?
Based on current data, Toledo receives an overall livability score of 3.9 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include high obesity rates. Toledo offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Toledo is $59,881, 20% below the national average of $75,149. The job market is very strong with unemployment at just 1.6%. Only 6.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 23 minutes.
Cost of Living & Housing
The median home value in Toledo is $92,200, 67% below the national median / offering relatively affordable homeownership. Renters pay a median of $650 per month, below the national average / a plus for affordability. At just 1.5x median income, home prices are very affordable relative to local earnings.
Education
18.7% of residents hold a bachelor's degree, below the national average of 33.7%. 92.0% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Toledo experiences four distinct seasons with an average temperature of 53°F. Winters average 28°F in January while summers reach 76°F in July. Annual precipitation totals 36.0 inches, including 11.9 inches of snow.
Toledo has a population of 1,209 with a density of 1,358 people per square mile, spread across 0.9 square miles. The median age is 42.1 years, 8% older than the national median of 38.9. The gender split is 52.2% female and 47.8% male. The city is predominantly White (95.9%), with 2.7% Hispanic, 1.1% Black. English is the primary language spoken at home by 98.4% of residents. 4.3% of the population are veterans, below the national rate of 6.0%. 16.1% of residents have a disability (above the 13.0% national average). 93.1% have health insurance coverage.
Population
1,209
Total Population
2023 Census
42.1yrs
Median Age
8% above US avg
Language Spoken at Home
English Only
98.4%
25% above US avg
Spanish
1.6%
88% below US avg
The median household income in Toledo is $59,881, which is 20% below the national average of $75,149. Per capita income is $30,326 (below the $39,052 national figure). The average weekly wage is $917, 36% lower than the U.S. average. The unemployment rate is 1.6% (below the 3.6% US average). 6.5% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 188 business establishments, including 14 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 23 minutes (shorter than the 28-minute US average). 10.7% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $59,881 |
| 20% below US avg |
| Per Capita Income | $30,326 |
| Avg Weekly Wage | $917 |
| IRS Avg AGI | $70,038 |
| Gini Index | 0.400 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.6% |
| 56% below US avg |
| Poverty Rate | 6.5% |
| 48% below US avg |
| Establishments (County) | 188 |
| County GDP | $1,828M |
Business (County)
| Restaurants | 14 |
| Healthcare | 18 |
| Retail | 23 |
| Manufacturing | 10 |
Tax & Cost of Living
| Property Tax (IRS) | $3,420 |
| 2% below US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 3.71% |
Commute & Transportation
| Commute Time | 22.6 min |
| Drive Alone | 74.3% |
| Public Transit | 0.0% |
| Work from Home | 10.7% |
The median home value in Toledo is $92,200, 67% below the national median of $281,900. Zillow estimates the typical home value at $164,841, higher than the Census estimate. According to Redfin, the median sale price is $81,000 with homes selling in an average of 41 days. Homes sell for 89.8% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $650 (44% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 69.3% of housing units are owner-occupied. There are 575 total housing units in the city. The median year a home was built is 1960. The average annual property tax is $3,420. 18.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.5x, well within the affordable range.
Home Values
| Census Median | $92,200 |
| 67% below US avg |
| Zillow ZHVI | $164,841 |
| Redfin Median Sale | $81,000 |
| Median List Price | $165,000 |
Real Estate Market (Redfin)
| Median Sale Price | $81,000 |
| Median List Price | $165,000 |
| $/Sq Ft | $55 |
| Homes Sold | 2 |
| Days on Market | 41 days |
| Sale-to-List Ratio | 89.8% |
| Price Drops | 0.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $650 |
| 44% below US avg |
| Rent Burden | 18.4% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 69.3% |
| Owner-Occupied | 69.3% |
| Renter-Occupied | 30.7% |
| Housing Units | 575 |
| Median Year Built | 1960 |
Property Tax
| Avg Tax (IRS) | $3,420 |
| 2% below US avg |
| Effective Rate | 3.71% |
In Toledo, 39.9% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.7% of residents. 32.0% have high blood pressure. 16.5% are current smokers. 20.5% report binge drinking. 23.4% are physically inactive. 25.3% report depression (above the 20.0% national average). 19.5% experience frequent mental distress. 6.9% of residents lack health insurance. The dentist ratio is 1:10,324. 21.4% of residents have access to exercise opportunities. The food environment index is 9.0 out of 10.
Health Metrics: Toledo vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.9% |
| 24% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 5.7% |
| High Blood Pressure | 32.0% |
| Asthma | 10.8% |
| COPD | 7.3% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 16.5% |
| 18% above US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 23.4% |
| Depression | 25.3% |
| Mental Distress | 19.5% |
| Physical Distress | 13.4% |
| Short Sleep | 37.6% |
Healthcare Access
| Insurance Rate | 93.1% |
| Uninsured | 6.9% |
| 20% below US avg |
| Dentists | 1:10,324 |
| Mental Health | 1:1,466 |
| Checkup Rate | 75.2% |
| Dental Visits | 56.2% |
| Premature Death | 7,352/100K |
Food & Exercise
| Food Environment | 9.0/10 |
| Exercise Access | 21.4% |
| Healthcare Facilities | 18 |
Toledo experiences four distinct seasons with an average annual temperature of 53°F (12°C). Winters average 28°F in January while summers reach 76°F in July. Annual precipitation totals 36.0 inches. The area receives 11.9 inches of snow annually. The city sits at an elevation of 600 feet.
Temperature
28°F Jan (-2°C)
76°F Jul (24°C)
| Annual Average | 53.4°F |
| 1% below US avg |
| January Average | 28°F (-2°C) |
| July Average | 76°F (24°C) |
Geography
| Elevation | 600 ft (183 m) |
| Area | 0.9 sq mi (2.4 km²) |
| Population Density | 1,358/sq mi |
| Coordinates | 39.2728°N, 88.2422°W |
| Timezone | America/Chicago |
| County | Cumberland County County |
| Nearest Airport | Lawrenceville-Vincennes International (LWV)
49 miles away |
Precipitation & Snow
Annual Rainfall
36.0"
5% below US avg
Wettest Month (Jun)
4.72"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 25.9 / 100 |
| Social Vulnerability | 63.2 / 100 |
| Community Resilience | 88.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
49 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
96 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
96 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
148 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
97 km |
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
103 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
99 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
62 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
97 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
143 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
96 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
139 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
91 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
97 km |
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
93 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
97 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
12 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
135 km |
| May 2, 2003 |
10 km ENE of Thompsonville, Illinois |
M3.2 |
150 km |
| Oct 24, 1990 |
5 km ENE of Woodlawn, Illinois |
M3.2 |
121 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
73 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
527 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 18 fatalities, 426 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1990 |
EF4 |
36 km |
0 |
| Jun 2, 1990 |
EF4 |
81 km |
0 |
| Jan 7, 1989 |
EF4 |
97 km |
0 |
| Mar 20, 1976 |
EF4 |
76 km |
0 |
| Mar 31, 2023 |
EF3 |
44 km |
6 |
| Nov 17, 2013 |
EF3 |
64 km |
0 |
| Apr 19, 1996 |
EF3 |
98 km |
1 |
| Apr 19, 1996 |
EF3 |
89 km |
0 |
| Aug 21, 1977 |
EF3 |
39 km |
6 |
| Aug 10, 1974 |
EF3 |
31 km |
0 |
| Aug 10, 1974 |
EF3 |
21 km |
0 |
| Apr 3, 1974 |
EF3 |
91 km |
1 |
| Apr 3, 1974 |
EF3 |
77 km |
0 |
| Apr 3, 1974 |
EF3 |
79 km |
1 |
| Apr 1, 1974 |
EF3 |
76 km |
0 |
| Apr 29, 1963 |
EF3 |
92 km |
0 |
| Apr 29, 1963 |
EF3 |
72 km |
0 |
| Apr 22, 1963 |
EF3 |
87 km |
0 |
| Apr 22, 1963 |
EF3 |
59 km |
0 |
| Mar 6, 1961 |
EF3 |
31 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-2°C) |
2.0 in |
Coldest |
| February |
32°F (0°C) |
1.8 in |
Driest |
| March |
43°F (6°C) |
2.2 in |
|
| April |
54°F (12°C) |
4.1 in |
|
| May |
64°F (18°C) |
3.9 in |
|
| June |
73°F (23°C) |
4.7 in |
Wettest |
| July |
76°F (24°C) |
4.0 in |
Warmest |
| August |
74°F (23°C) |
2.4 in |
|
| September |
67°F (20°C) |
2.9 in |
|
| October |
56°F (13°C) |
3.1 in |
|
| November |
43°F (6°C) |
3.0 in |
|
| December |
33°F (1°C) |
1.8 in |
|
Toledo has a seasonal temperature swing of 48°F / from 28°F in January to 76°F in July. Total annual precipitation is 36.0 inches, with June being the wettest month (4.7") and February the driest (1.8").
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) |
$250 ($150-$400) |
| Specialist Visit |
$350 ($200-$550) |
| Urgent Care Visit |
$200 ($100-$350) |
| Emergency Room Visit |
$2,200 ($800-$5,000) |
| Dental Cleaning |
$130 ($75-$200) |
| Dental Filling |
$250 ($150-$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25-$75) |
| Oil Change (Synthetic) |
$75 ($50-$120) |
| Brake Pad Replacement |
$300 ($150-$500) |
| Tire Rotation |
$40 ($20-$75) |
| New Tires (Set of 4) |
$600 ($400-$1,000) |
| Battery Replacement |
$200 ($100-$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60-$150) |
| Electrician (Per Hour) |
$90 ($50-$140) |
| HVAC Repair |
$400 ($150-$800) |
| HVAC System Install |
$7,000 ($4,000-$12,000) |
| Roof Repair |
$1,000 ($400-$2,000) |
| Roof Replacement |
$9,000 ($5,500-$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500-$3,500) |
| Divorce (Contested) |
$15,000 ($5,000-$30,000) |
| DUI Defense |
$5,000 ($2,000-$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800-$3,000) |
| Will Preparation |
$500 ($200-$1,000) |
| Trust Preparation |
$2,500 ($1,000-$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15-$45) |
| Women's Haircut |
$55 ($30-$100) |
| Hair Coloring (Full) |
$150 ($75-$250) |
| Manicure |
$25 ($15-$45) |
| Pedicure |
$40 ($25-$65) |
| Massage (1 Hour) |
$80 ($50-$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00-$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50-$5.00) |
| Loaf of Bread |
$3.80 ($2.50-$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00-$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00-$7.50) |
| Rice (per lb) |
$1.00 ($0.60-$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80-$250) |
| Natural Gas (Monthly) |
$70 ($30-$150) |
| Water/Sewer (Monthly) |
$70 ($40-$120) |
| Internet (Monthly) |
$70 ($40-$100) |
| Cell Phone Plan (Monthly) |
$65 ($30-$100) |
| Cable TV (Monthly) |
$85 ($50-$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75-$500) |
| Car Insurance (Annual) |
$2,000 ($1,200-$3,500) |
| Bus Pass (Monthly) |
$70 ($30-$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00-$25) |
| Car Registration (Annual) |
$100 ($30-$250) |
| Driver's License Renewal |
$30 ($15-$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600-$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500-$2,000) |
| After-School Care (Monthly) |
$400 ($200-$700) |
| Tutoring (Per Hour) |
$50 ($25-$100) |
| SAT/ACT Prep Course |
$1,000 ($400-$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000-$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30-$100) |
| Dog Vaccination (Annual) |
$100 ($50-$200) |
| Dog Grooming |
$60 ($30-$100) |
| Pet Boarding (Per Night) |
$40 ($20-$75) |
| Dog Spay/Neuter |
$300 ($150-$500) |
| Cat Spay/Neuter |
$200 ($100-$400) |
View all 9 services
Frequently Asked Questions About Toledo
What is the population of Toledo?
Toledo has a population of 1,209 residents and is located in Illinois. The population density is 1,358 people per square mile, spread across 0.9 square miles. The median age of residents is 42.1 years, which is older than the national median of 38.9 years. The population is 52.2% female and 47.8% male.
Is Toledo expensive to live in?
Toledo has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $59,881, 20% below the national average of $75,149. The median home value is $92,200 (67% below the U.S. median). Renters pay a median of $650 per month, below the national average of $1,163. The home price-to-income ratio is 1.5x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Toledo?
Toledo has a four-season climate with an average annual temperature of 53°F (12°C). Winter temperatures average 28°F in January, while summers reach an average of 76°F in July. Annual rainfall totals 36.0 inches, with 11.9 inches of snow.
How is the job market in Toledo?
The job market in Toledo is very strong, with unemployment at just 1.6% / well below the national rate of 3.6%. The average weekly wage is $917. There are 188 business establishments in the area, including 14 restaurants and food service locations. The average commute time is 23 minutes, and 10.7% of workers work from home.
How much does housing cost in Toledo?
The median home value in Toledo is $92,200. Zillow estimates the typical home value at $164,841. According to Redfin, the median sale price is $81,000, with homes typically selling within 41 days. For renters, the median monthly rent is $650. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 69.3%. The average annual property tax is $3,420.
How are the schools in Toledo?
Schools in Toledo score 5.3 out of 10 on standardized testing, near the national average. 18.7% of adults in Toledo hold a bachelor's degree or higher, below the national average of 33.7%. 92.0% have completed high school. 4.4% hold a graduate or professional degree.
How healthy is Toledo?
The obesity rate in Toledo is 39.9% (above the national rate of 32.1%). 16.5% of adults are smokers. 23.4% are physically inactive. 25.3% of residents report depression. 6.9% lack health insurance (below the national rate). 21.4% of residents have access to exercise opportunities.
What is transportation like in Toledo?
The average commute in Toledo is 23 minutes, shorter than the national average of 28 minutes. 74.3% of workers drive alone to work, and 10.7% work from home.
What are the demographics of Toledo?
The racial and ethnic makeup of Toledo is 95.9% White, 1.1% Black or African American, 2.7% Hispanic or Latino. 98.4% of residents speak only English at home. 4.3% of the population are military veterans. 16.1% of residents have a disability. 93.1% have health insurance coverage.