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City · 19,055 residents · Lucas County, Ohio

Sylvania , Ohio

In Sylvania, a typical home is worth $249,200 and typical rent is $1,072 a month. Compared with all of Lucas County, typical household income is 61% higher, the typical home value is 52% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $249,200

    52% above the county

    16% above Ohio

    • Sylvania
    • Lucas
    • Ohio

  • Typical rent

    $1,072a month

    15% above the county

    4% above Ohio

    • Sylvania
    • Lucas
    • Ohio

  • Typical household income

    $100,189a year

    61% above the county

    40% above Ohio

    • Sylvania
    • Lucas
    • Ohio

  • Households that own their home

    78%

    16 points above the county

    10 points above Ohio

    • Sylvania
    • Lucas
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$321,633
3.4% more than 12 months ago
Typical rent
$1,994 a month

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

Sylvania 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 Sylvania apart

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

  1. The typical household income in Sylvania is $100,189, 61% more than in Lucas County as a whole ($62,224).

  2. Nearby, in Toledo, the typical home value is $114,500: 54% less than in Sylvania ($249,200).

  3. The typical home in Sylvania is worth $249,200, 52% more than in Lucas County as a whole ($163,900).

  4. 78% of households in Sylvania own their home, against 62% in Lucas County.

  5. Nearby, in Rossford, the typical rent is $898: 16% less than in Sylvania ($1,072).

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

The homes here

Housing in Sylvania

What homes there are in Sylvania, 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

In Sylvania, 7 in 10 homes are single-family detached houses, about the same as in Lucas County.

Year built

Here half of the homes date from 1975 or later; in Lucas County, from 1963 or later.

In Sylvania, 66% of homes have 3 bedrooms or more, more than in Lucas County (60%).

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

The FHA limit for Lucas County is high ($541,287): at least 97% of owner-occupied homes in Sylvania are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,778 a month

Lucas County: $1,394 a month

Without a mortgage

$720 a month

Lucas County: $568 a month

Owners with a mortgage

62%

Lucas County: 59%

In Sylvania, 62% of owners have a mortgage, and their typical cost is $1,778 a month, against $1,394 in Lucas County. Without one it drops to $720.

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

From 2015–2019 to 2020–2024, home values in Sylvania rose at about the same pace as in Lucas County: 39% against 41%.

Much as in Lucas County, the typical rent in Sylvania rose 25% since 2015–2019.

To compare: typical income in Sylvania rose 30%; the home, +39%; the rent, +25%.

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

MeasureSylvaniaLucas 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 2.462.292.372.53
Drive alone 73%79%75%69%
Carpool 6%9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%9%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.46 on average, against 2.29 in Lucas County.

Working from home is more common in Sylvania: 18%, against 9% in Lucas County.

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 Sylvania?

A typical home is within reach of the typical income

We start with a typical home in Sylvania, worth $249,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Sylvania, which is $100,189 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 Sylvania. 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 $8,722 (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

$2,277

at 7.18% · 30 years

Loan amount
$244,686
Total interest
$352,046
Paid off in
November 2056

Includes $4,208 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,338 a month

    Your payment · 27%

  • Tight

    $2,338 to $3,006 a month

  • Hard

    more than $3,006 a month

Compared with the typical household income in Sylvania ($100,189 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,277
Principal & interest$1,658
Property tax$405
Home insurance$104
FHA mortgage insurance (MIP)$110

You need at least $8,722 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

Sylvania and Lucas County

Sylvania 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).

Sylvania's own numbers

Typical home value
$249,200
Typical monthly rent
$1,072
Typical yearly household income
$100,189
Households that own their home
78%
Effective property tax rate
1.95%

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 Sylvania

A typical home in Sylvania is worth $249,200: 52% above the county and 16% above Ohio. With the typical household income in Sylvania ($100,189 a year), a typical home costs 2.5 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.

  • Sylvania 2.5 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

Sylvania 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
  • Sylvania $249,200
  • Lucas $163,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Sylvania $1,072
  • Lucas $934
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Sylvania $100,189
  • Lucas $62,224
  • Ohio $71,389
  • United States $80,734
See the full table
Sylvania next to Lucas County and Ohio
Measure Sylvania Lucas County Ohio U.S.
Typical home value $249,200 $163,900 $214,800 $332,700
Typical monthly rent $1,072 $934 $1,034 $1,413
Typical yearly household income $100,189 $62,224 $71,389 $80,734
Households that own their home 78% 62% 67% 65%
Typical yearly property tax $4,856 $2,773 $2,822 $3,119
Effective property tax rate 1.95% 1.69% 1.31% 0.94%
Renters with high rent for their income 41% 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 Sylvania

For a typical $249,200 home in Sylvania, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sylvania's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,277a month

    Least cash to close
    Down payment
    $8,722
    Cash to close
    $16,198
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $110

  • Conventional, 5% down $2,231a month

    Down payment
    $12,460
    Cash to close
    $19,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $118

  • Conventional, 20% down, no PMI $1,859a month

    Down payment
    $49,840
    Cash to close
    $57,316
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,090a month

    Down payment
    $37,380
    Cash to close
    $44,856
    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 Sylvania and for Lucas County.

Property tax

Effective rate in Sylvania

1.95%of the home’s value each year

$4,856 a year for the typical owner in Sylvania.

  • Sylvania 1.95%
  • 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 Sylvania

Typical rent in Sylvania is $1,072 a month: 15% above the county. In Sylvania, 41% 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 Sylvania

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sylvania is in ZIP code 43560.

For 2 bedrooms it is $1,310: $165 more than the fair market rent for Lucas County ($1,145).

  • 43560 $1,310$1,670

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sylvania 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?

Free help

Help to buy or rent in Sylvania

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Sylvania

No down payment, repair or rent-help program on our list is for Sylvania or Lucas County. The ones below are statewide in Ohio: they work in Sylvania 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 Sylvania

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

  • Ohio State University Extension - Lucas County

    5403 Elmer Dr, Toledo · 4 miles away

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

  • Nid Lucas County

    1510 N. Westwood Ave. Suite 2035, Toledo · 7 miles away

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

  • Neighborhood Housing Services of Toledo, Inc

    704 2nd St, Toledo · 11 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 Sylvania

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 Sylvania

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Sylvania

Short answers with the numbers for Sylvania 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 Sylvania?

The typical home value in Sylvania is $249,200, 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 Sylvania?

Typical rent in Sylvania is $1,072 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 Sylvania?

Sylvania 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 Sylvania?

The typical homeowner in Sylvania pays $4,856 a year, according to the U.S. Census Bureau. That is 1.95% of the home’s value; in Lucas County, the rate is 1.69%.

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

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).