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City · 13,715 residents · Lucas County, Ohio

Maumee , Ohio

In Maumee, a typical home is worth $194,500 and typical rent is $995 a month. Compared with all of Lucas County, typical household income is 30% higher, the typical home value is 19% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $194,500

    19% above the county

    9% below Ohio

    • Maumee
    • Lucas
    • Ohio

  • Typical rent

    $995a month

    7% above the county

    4% below Ohio

    • Maumee
    • Lucas
    • Ohio

  • Typical household income

    $80,833a year

    30% above the county

    13% above Ohio

    • Maumee
    • Lucas
    • Ohio

  • Households that own their home

    72%

    10 points above the county

    5 points above Ohio

    • Maumee
    • Lucas
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$282,379
3.3% more than 12 months ago
Typical rent
$1,802 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Maumee is in Lucas County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lucas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Maumee apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Toledo, the typical home value is $114,500: 41% less than in Maumee ($194,500).

  2. The typical household income in Maumee is $80,833, 30% more than in Lucas County as a whole ($62,224).

  3. The typical home in Maumee is worth $194,500, 19% more than in Lucas County as a whole ($163,900).

  4. 72% of households in Maumee own their home, against 62% in Lucas County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Maumee

What homes there are in Maumee, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Maumee: 74% of homes, more than in Lucas County (68%).

Year built

In Maumee, half of the homes were built before 1963; in Lucas County, before 1963.

There is more room for a big family here: 65% of homes have 3 bedrooms or more, against 60% in Lucas County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Maumee sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,478 a month

Lucas County: $1,394 a month

Without a mortgage

$642 a month

Lucas County: $568 a month

Owners with a mortgage

62%

Lucas County: 59%

The typical cost for an owner with a mortgage in Maumee is $1,478 a month, more than in Lucas County ($1,394); without one, $642.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Maumee gained value more slowly than in Lucas County: 35% since 2015–2019, against 41%.

The typical rent in Maumee rose 25% since 2015–2019, about the same as in Lucas County (25%).

Housing prices ran ahead of income in Maumee: typical income rose 13%, against +35% for home values and +25% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMaumeeLucas CountyOhioUnited States
Rental vacancy Unreliable estimate5.1%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.5%1.5%3.4%
People per household 2.282.292.372.53
Drive alone 84%79%75%69%
Carpool 6%9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Maumee look like those in Lucas County: 2.28 people on average.

In Maumee, 84% of workers drive alone to work; in Lucas County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Maumee?

A typical home is within reach of the typical income

We start with a typical home in Maumee, worth $194,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Maumee, which is $80,833 a year.

The calculator's FHA and conventional loan limits are those of all of Lucas County.

Your numbers

Local data
$

Starts at the typical home value in Maumee. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,808 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,761

at 7.18% · 30 years

Loan amount
$190,977
Total interest
$274,771
Paid off in
November 2056

Includes $3,285 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,886 a month

    Your payment · 26%

  • Tight

    $1,886 to $2,425 a month

  • Hard

    more than $2,425 a month

Compared with the typical household income in Maumee ($80,833 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,761
Principal & interest$1,294
Property tax$300
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,808 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Maumee and Lucas County

Maumee is in Lucas County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Maumee's own numbers

Typical home value
$194,500
Typical monthly rent
$995
Typical yearly household income
$80,833
Households that own their home
72%
Effective property tax rate
1.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lucas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
2.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lucas County.

Everything about Lucas County

Buying

Buying a home in Maumee

A typical home in Maumee is worth $194,500: 19% above the county and 9% below Ohio. With the typical household income in Maumee ($80,833 a year), a typical home costs 2.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Maumee 2.4 years
  • Lucas 2.6 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lucas County

According to FHFA’s house price index, home prices in Lucas County rose 86% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lucas County.

Period County Ohio U.S.
Last year (2025) +5.0% +4.8% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +86% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Maumee next to Lucas County, Ohio and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Maumee $194,500
  • Lucas $163,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Maumee $995
  • Lucas $934
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Maumee $80,833
  • Lucas $62,224
  • Ohio $71,389
  • United States $80,734
See the full table
Maumee next to Lucas County and Ohio
Measure Maumee Lucas County Ohio U.S.
Typical home value $194,500 $163,900 $214,800 $332,700
Typical monthly rent $995 $934 $1,034 $1,413
Typical yearly household income $80,833 $62,224 $71,389 $80,734
Households that own their home 72% 62% 67% 65%
Typical yearly property tax $3,594 $2,773 $2,822 $3,119
Effective property tax rate 1.85% 1.69% 1.31% 0.94%
Renters with high rent for their income 38% 45% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lucas County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Maumee

For a typical $194,500 home in Maumee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maumee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,761a month

    Least cash to close
    Down payment
    $6,808
    Cash to close
    $12,643
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,725a month

    Down payment
    $9,725
    Cash to close
    $15,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $92

  • Conventional, 20% down, no PMI $1,435a month

    Down payment
    $38,900
    Cash to close
    $44,735
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,615a month

    Down payment
    $29,175
    Cash to close
    $35,010
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Maumee and for Lucas County.

Property tax

Effective rate in Maumee

1.85%of the home’s value each year

$3,594 a year for the typical owner in Maumee.

  • Maumee 1.85%
  • Lucas 1.69%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Lucas County

FEMA does not publish these numbers by city: they are for all of Lucas County.

Homes in the high-risk zone
2.2%
3,463
Of those, with NFIP insurance
19%
County Ohio U.S.
Homes in the high-risk zone 2.2% 1.7% 3.5%
Of those, with NFIP insurance 19% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Maumee

Typical rent in Maumee is $995 a month: 7% above the county. In Maumee, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lucas County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 an hour working full time.

HUD fair market rent for all of Lucas County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $822 $15.81 $32,880
1 bedroom $875 $16.83 $35,000
2 bedrooms $1,145 $22.02 $45,800
3 bedrooms $1,461 $28.10 $58,440
4 bedrooms $1,558 $29.96 $62,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Maumee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Maumee is in ZIP code 43537.

For 2 bedrooms it is $1,320: $175 more than the fair market rent for Lucas County ($1,145).

  • 43537 $1,320$1,680

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Maumee when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Maumee

HUD lists one building with rents for lower incomes in Maumee.

  • Ehdoc Teamsters Residences 6071 Manley Rd, Maumee 43537 52 low-income homes · For older adults (419) 246-4720

See all 150 buildings in Lucas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Maumee

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Lucas County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Maumee

No down payment, repair or rent-help program on our list is for Maumee or Lucas County. The ones below are statewide in Ohio: they work in Maumee the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it. Offered by Ohio Housing Finance Agency (OHFA).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic). Offered by Ohio Housing Finance Agency (OHFA).

    Tax credit

    See the program Official page

Housing counselors near Maumee

The HUD-approved agencies closest to the center of Maumee, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Nid Lucas County

    1510 N. Westwood Ave. Suite 2035, Toledo · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (419) 504-5188

  • Ohio State University Extension - Lucas County

    5403 Elmer Dr, Toledo · 6 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (419) 213-4254

  • Neighborhood Housing Services of Toledo, Inc

    704 2nd St, Toledo · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (419) 691-2900

Every agency in Lucas County All counseling agencies in Ohio

Help in Spanish near Maumee

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Maumee

In HUD’s record, no housing authority with an office in Lucas County is named for Maumee or Lucas County.

One other authority has an office in Lucas County: see the list Source: HUD

Cities

Other cities in Lucas County

These cities are also in Lucas County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lucas County Housing in Ohio

Nearby cities

The cities closest to Maumee, with the typical home value.

Neighboring counties

If Lucas County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Maumee.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Maumee

Short answers with the numbers for Maumee and all of Lucas County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Maumee?

The typical home value in Maumee is $194,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lucas County it is $163,900.

How much does it cost to rent in Maumee?

Typical rent in Maumee is $995 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lucas County is $1,145.

What is the FHA loan limit in Maumee?

Maumee uses the FHA limit for all of Lucas County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Maumee?

The typical homeowner in Maumee pays $3,594 a year, according to the U.S. Census Bureau. That is 1.85% of the home’s value; in Lucas County, the rate is 1.69%.

Where can I find free help to buy or rent in Maumee?

There are 3 HUD-approved counseling agencies with an office in Lucas County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).