ZIP code 43604

ZIP 43604 is a mid-size town in Lucas County, Ohio, with 9,708 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #385 of 1,233 ranked by population — larger than 68% of them. The median age here is 35.4 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 43604 earn a median of $18,980 a year, 75.8% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 56% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 43604 is valued at $59,300, 80.5% below the national figure, while median gross rent runs $499 a month, 64.5% below the national figure, or roughly $5,988 across a full year. A household on the local median income would put about 31.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 3.1×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 18.5% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

ZIP 43604 is the unusual combination of expensive to rent and cheap to buy: rent takes 31.5% of median income while homes cost only 3.1× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 43604 is tabulated inside Lucas County, Ohio, one of 26 ZIP areas the Census publishes for that county and 1,233 across Ohio. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 43604 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 43604 reports a median household income of $18,980, 70% below the $63,425 county median, and 72% below the $68,141 typical OH ZIP. Owner-occupied homes are valued at a median of $59,300, 64% below the county figure and 65% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $499 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 43604 carries 7.75% at the register, assembled from the Toledo jurisdiction stack: the Ohio state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 43604 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 43604 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.