43605 Property Tax Rate
Toledo, Ohio · Part of Lucas County
Effective Tax Rate
2.28%
54.6% below state avgMedian Annual Tax
$1,047
$87/mo escrow
Estimate Your Tax
Annual Tax
$1,047
Monthly
$87
Eff. Rate
2.28%
Buyer decision brief
What ZIP 43605 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$87/mo
Based on median annual tax paid
State context
1.04 percentage points above the Ohio average
Ohio average: 1.24%
Data confidence
High confidenceThe Census margin of error is $61, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Lucas County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 43605 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$61 tax MOE, 6% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Lucas County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 43605
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $46,000, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 2.28%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Ohio and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $87 per month before insurance, HOA dues, or special assessments.
Assessor verification
Lucas County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 43605 Compares
Median Annual Property Tax
ZIP 43605
2.28%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Higher than 99% of ZIP codes in Ohio(99th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 43605
Property owners in ZIP code 43605 (Toledo, Ohio) pay a median of $1,047/year in property taxes on homes valued at $46,000. This translates to an effective tax rate of 2.28%, which is 84% above the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 43605 is approximately $87, which factors into escrow payments on mortgages. This ZIP code is located within Lucas County. This is $1,257 less than the Ohio average of $2,304/year.
Compared to similar ZIP codes in Ohio, 43605 has higher property taxes. ZIP codes with similar effective rates include 45405 (2.27%) and 44126 (2.26%).
In Toledo, property taxes represent approximately 2.9% of the median household income of $36,389, providing context for the relative tax burden on homeowners in this area.
Lucas County follows Ohio's triennial reassessment cycle, with revaluations conducted by the county auditor on a three-year rotation that affects your assessed value through 2024 and beyond. Primary residence owners automatically receive a 2.5% Owner-Occupancy Credit, and seniors 65+ and disabled homeowners qualify for the Homestead Exemption — apply with the Lucas County Auditor's office before your first tax bill arrives. The Lucas County Auditor (419-213-4800) can provide your property's next reassessment year and help you file for senior/disabled exemptions that may save hundreds annually.
Frequently Asked Questions
What is the property tax rate in ZIP code 43605?
How much are property taxes in Toledo, OH (43605)?
How does ZIP 43605 compare to the Ohio average?
What is the median home value in ZIP 43605?
What county is ZIP code 43605 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$61. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 43605 is part of Lucas County, Ohio. View the full county profile for broader context and more data.
View Lucas County on TaxByCounty →Explore Toledo, OH
View all 15 ZIP codes in Toledo with property tax comparisons.
View Toledo Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 43605
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
43604
Toledo, OH
0.79 percentage points lower than ZIP 43605.
Rate
1.48%
Tax
$879
Quality
96
43607
Toledo, OH
0.69 percentage points lower than ZIP 43605.
Rate
1.58%
Tax
$1,159
Quality
101
43611
Toledo, OH
0.59 percentage points lower than ZIP 43605.
Rate
1.68%
Tax
$1,978
Quality
101
43614
Toledo, OH
0.58 percentage points lower than ZIP 43605.
Rate
1.70%
Tax
$2,726
Quality
101
43610
Toledo, OH
0.55 percentage points lower than ZIP 43605.
Rate
1.73%
Tax
$1,267
Quality
90
43623
Toledo, OH
0.54 percentage points lower than ZIP 43605.
Rate
1.74%
Tax
$2,912
Quality
101
43606
Toledo, OH
0.51 percentage points lower than ZIP 43605.
Rate
1.77%
Tax
$2,930
Quality
101
43609
Toledo, OH
0.49 percentage points lower than ZIP 43605.
Rate
1.79%
Tax
$1,050
Quality
101
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.