In Toronto, a typical home is worth $108,800 and typical rent is $748 a month. Compared with all of Jefferson County, the typical home value is 15% lower and typical rent is 10% lower.
Typical home value from Zillow, September 2021 to September 2026: from $113,815 to $139,126.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Toronto is in Jefferson 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 Jefferson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Toronto has the 11th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($748).
2
Nearby, in East Liverpool, the typical home value is $81,300: 25% less than in Toronto ($108,800).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Toronto barely changed; in Ohio, it rose 3.2%.
4
Toronto has the 18th lowest typical home value of the 292 cities in Ohio with more than 5,000 people ($108,800).
5
Toronto has the 16th smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (32%).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Toronto
What homes there are in Toronto, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Toronto
Jefferson County
Ohio
United States
Kind of home: Toronto and its comparisons
Measure
Toronto
Jefferson County
Ohio
United States
Detached house
69%
78%
69%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
Unreliable estimate
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
8%
15%
19%
Mobile home
8%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Toronto, but it weighs less than in Jefferson County: 69% against 78%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Toronto
Jefferson County
Ohio
United States
Year built: Toronto and its comparisons
Measure
Toronto
Jefferson County
Ohio
United States
Before 1960
58%
53%
38%
26%
1960–1979
29%
27%
26%
24%
1980–1999
6%
12%
20%
25%
2000–2009
Unreliable estimate
5%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
In Toronto, half of the homes were built before 1955; in Jefferson County, before 1958.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K46%
$100K–$200K37%
$200K–$300K13%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Toronto and its comparisons
Measure
Toronto
Under $100K
46%
$100K–$200K
37%
$200K–$300K
13%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99949%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Toronto and its comparisons
Measure
Toronto
Under $500
Unreliable estimate
$500–$999
49%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,042 a month
Jefferson County: $1,162 a month
Without a mortgage
$456 a month
Jefferson County: $476 a month
Owners with a mortgage
55%
Jefferson County: 48%
The typical cost for an owner with a mortgage in Toronto is $1,042 a month, less than in Jefferson County ($1,162); without one, $456.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Toronto+28%
Jefferson County+37%
Ohio+47%
United States+53%
Typical rent
Toronto+29%
Jefferson County+24%
Ohio+28%
United States+33%
Typical household income
Toronto+40%
Jefferson County+27%
Ohio+26%
United States+29%
Change since 2015–2019: Toronto and its comparisons
Measure
Toronto
Jefferson County
Ohio
United States
Typical home value
+28%
+37%
+47%
+53%
Typical rent
+29%
+24%
+28%
+33%
Typical household income
+40%
+27%
+26%
+29%
The typical home value in Toronto rose 28% since 2015–2019, less than in Jefferson County (37%).
Since 2015–2019, the typical rent in Toronto rose 29%, more than in Jefferson County (24%).
The typical household income in Toronto rose 40%: more than home values (+28%) and rent (+29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Toronto and its comparisons
Measure
Toronto
Jefferson County
Ohio
United States
Rental vacancy
Unreliable estimate
7.3%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
0.8%
1.5%
3.4%
People per household
2.06
2.29
2.37
2.53
Drive alone
85%
81%
75%
69%
Carpool
8%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
4%
2%
3%
Work from home
Unreliable estimate
9%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.06 on average, against 2.29 in Jefferson County.
To get to work, 85% of workers in Toronto drive alone; in Jefferson County, 81%.
Do the math
What would you pay each month for a home in Toronto?
A typical home is within reach of the typical income
We start with a typical home in Toronto, worth $108,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Toronto, which is $55,972 a year.
The calculator's FHA and conventional loan limits are those of all of Jefferson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Toronto. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $3,808 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$904
at 7.18% · 30 years
Loan amount
$106,829
Total interest
$153,702
Paid off in
November 2056
Includes $1,837 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,306 a month
Your payment · 19%
Tight
$1,306 to $1,679 a month
Hard
more than $1,679 a month
Compared with the typical household income in Toronto ($55,972 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$724
Property tax
$87
Home insurance
$45
FHA mortgage insurance (MIP)
$48
You need at least $3,808 for the down payment, plus closing costs.
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.
Total monthly payment $904; principal and interest $724.
The city and its county
Toronto and Jefferson County
Toronto is in Jefferson 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).
Toronto
Map of Jefferson County, Ohio, with Toronto marked. Around it, the neighboring counties.
Toronto
Jefferson County
Other cities with a page
Toronto's own numbers
Typical home value
$108,800
Typical monthly rent
$748
Typical yearly household income
$55,972
Households that own their home
69%
Effective property tax rate
0.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jefferson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,007
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
4.3%
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 Jefferson County.
A typical home in Toronto is worth $108,800: 15% below the county and 49% below Ohio. With the typical household income in Toronto ($55,972 a year), a typical home costs 1.9 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.
Toronto1.9 years
Jefferson2.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jefferson County
According to FHFA’s house price index, home prices in Jefferson County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jefferson County.
Yearly change in FHFA’s price index in Jefferson County, 2016 to 2025
2016: +3.2% +3.2% 2016
2017: +0.1% +0.1% 2017
2018: +2.1% +2.1% 2018
2019: +11.0% +11.0% 2019
2020: +2.3% +2.3% 2020
2021: +10.2% +10.2% 2021
2022: +13.6% +13.6% 2022
2023: +5.3% +5.3% 2023
2024: +6.9% +6.9% 2024
2025: +10.2% +10.2% 2025
Change in FHFA’s price index in Jefferson County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+10.2%
+4.8%
+2.9%
5 years (2020–2025)
+55%
+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
Toronto next to Jefferson 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
Toronto$108,800
Jefferson$127,800
Ohio$214,800
United States$332,700
Typical monthly rent
Toronto$748
Jefferson$835
Ohio$1,034
United States$1,413
Typical yearly household income
Toronto$55,972
Jefferson$59,055
Ohio$71,389
United States$80,734
See the full table
Toronto next to Jefferson County and Ohio
Measure
Toronto
Jefferson County
Ohio
U.S.
Typical home value
$108,800 ▼15% below the county
$127,800
$214,800
$332,700
Typical monthly rent
$748 ▼10% below the county
$835
$1,034
$1,413
Typical yearly household income
$55,972 ▼5% below the county
$59,055
$71,389
$80,734
Households that own their home
69% ▼1 points below the county
71%
67%
65%
Typical yearly property tax
$1,048 ▼17% below the county
$1,257
$2,822
$3,119
Effective property tax rate
0.96% ▼0.02 points below the county
0.98%
1.31%
0.94%
Renters with high rent for their income
32% ▼12 points below the county
44%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson 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 Toronto
For a typical $108,800 home in Toronto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Toronto's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$904a month
Least cash to close
Down payment
$3,808
Cash to close
$7,072
Rate
7.18%
Mortgage insurance
FHA MIP · $48
Conventional, 5% down$884a month
Down payment
$5,440
Cash to close
$8,704
Rate
7.18%
Mortgage insurance
PMI · $52
Conventional, 20% down, no PMI$722a month
Down payment
$21,760
Cash to close
$25,024
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$823a month
Down payment
$16,320
Cash to close
$19,584
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Toronto
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$904
$3,808
$106,829
7.18%
FHA MIP · $48
$7,072
580
Conventional, 5% down
$884
$5,440
$103,360
7.18%
PMI · $52
$8,704
620*
Conventional, 20% down, no PMI
$722
$21,760
$87,040
7.18%
None
$25,024
620*
ITIN, 15% down (example)
$823
$16,320
$92,480
8.18%
None
$19,584
Set by the lender
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.
Typical rent in Toronto is $748 a month: 10% below the county. In Toronto, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,007 a month) without spending more than 30% of your income, you would need to earn $19.37 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jefferson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$771
$14.83
$30,840
1 bedroom
$776
$14.92
$31,040
2 bedrooms
$1,007
$19.37
$40,280
3 bedrooms
$1,298
$24.96
$51,920
4 bedrooms
$1,514
$29.12
$60,560
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 Toronto
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Toronto is in ZIP code 43964.
For 2 bedrooms it is $1,000: $7 less than the fair market rent for Jefferson County ($1,007).
Fair market rent by ZIP code and size in Toronto, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43964
$770
$770
$1,000
$1,290
$1,510
ZIP code2 bd3 bd
43964 $1,000$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Toronto 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Toronto. These are the largest.
Michael Myers Terrace425 N 5th St, Toronto 43964139 low-income homes · Run by Jefferson Metropolitan Housing Authority · Average payment: $270 a month · Average wait: 8 months(740) 282-0994
Whispering Hills Apts901 Bank St, Toronto 4396466 low-income homes · 1 bd: 6 · 2 bd: 40 · 3 bd: 20 · In service since 2009 · For families(740) 537-4949
Riverside Manor Apartments524 N 5th St, Toronto 4396461 low-income homes · 1 bd: 60 · In service since 2019 · For older adults(740) 537-4151
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.
We found no HUD-approved agencies with an office in Jefferson County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Toronto or Jefferson County. The ones below are statewide in Ohio: they work in Toronto the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Toronto or Jefferson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Toronto and all of Jefferson 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 Toronto?
The typical home value in Toronto is $108,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $127,800.
How much does it cost to rent in Toronto?
Typical rent in Toronto is $748 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,007.
What is the FHA loan limit in Toronto?
Toronto uses the FHA limit for all of Jefferson 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 Toronto?
The typical homeowner in Toronto pays $1,048 a year, according to the U.S. Census Bureau. That is 0.96% of the home’s value; in Jefferson County, the rate is 0.98%.
Where can I find free help to buy or rent in Toronto?
We found no HUD-approved counseling agencies with an office in Jefferson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
