Realtor.com has ranked Toledo #4 on its list of the Top Housing Markets in the nation for 2026. While many once-booming “Sun Belt” cities are seeing their markets cool, Toledo is leading a new wave of high-growth “Refuge Markets.”

1. The 13.1% Appreciation Jackpot

The headline that has everyone talking is Toledo’s projected price growth.

• National Leader: While the average U.S. home price is expected to rise by a modest 2.2% this year, Toledo is forecasted to surge by a staggering 13.1%.
• The Equity Build: This means a property valued at $170,000 at the start of the year could see an equity gain of over $22,000 by year’s end. For our owners, this represents some of the most aggressive wealth-building potential in the country.

2. Why the Nation is Buying Into Toledo

Investors and “migration buyers” from high-cost coastal cities are flocking to our region for three main reasons:

• Extreme Affordability: Even with rising prices, Toledo’s median home price (currently $165k–$170k) remains roughly 69% lower than the national average.
• The “Refuge Market” Effect: As buyers get priced out of major hubs, they are looking for “value-hubs” with stable jobs and a high quality of life.
• Scarcity: Toledo has only 1.5 months of housing supply. This low inventory keeps demand high and puts the power firmly in the hands of current property owners.

3. The “Golden Handcuffs” and the Rental Boom

One of the most interesting trends of 2026 is what experts call the “Golden Handcuff” effect.

• Locked-In Sellers: Roughly 80% of current mortgage holders have rates below 6% and are unwilling to sell.
• High-Quality Tenants: Because few people are selling their homes, many potential buyers are forced to remain in the rental market. This is bringing a wave of high-earning, reliable tenants into our properties—tenants who have the income to buy but simply cannot find a house to move into.

Investor Action Plan for Q1 2026

1. Hold Your Assets: With 13.1% growth on the horizon, selling now might mean leaving significant equity on the table. 2026 is a year for strategic retention.
2. Review Your Rental Rates: In a market where home values are jumping by double digits, your rental income should reflect that new value. We are currently helping our owners adjust their 2026 leases to stay competitive and profitable.
3. Audit Your Equity: If you’ve owned your property for more than three years, you likely have enough new equity to leverage a cash-out refinance for your next acquisition while Toledo is still at the top of the charts.

Capitalize on the #1 Market with Buckeye Northwest Realty

Toledo isn’t just “steady” anymore, it’s a national leader. At Buckeye Northwest Realty, we ensure our owners are positioned to take full advantage of this historic growth.

Ready to see exactly how much your Toledo portfolio has grown?

🔗 Request a 2026 Property Value Audit or call us today at (419) 385-5555.

Disclaimer: Informational purposes only. Real estate investments carry inherent risks. Appreciation and market data are based on forecasts and current trends; please consult with a financial advisor or real estate professional regarding your specific portfolio.