What is the Best Neighborhoods USA ranking for Five Points?
Five Points is ranked #12 of 24 eligible neighborhoods in Toledo; #190 of 481 eligible neighborhoods in OH; and #7,088 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Five Points
Toledo, OH | Lucas County
Scored premium profile
Best Neighborhoods USA Index
51.5
Stability and Strength
28.4
Value Opportunity
51.2
Momentum
88.9
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Toledo, OH |
| County | Lucas County |
| National rank | #7,088 of 14,967 |
| State rank | #190 of 481 |
| City rank | #12 of 24 |
| County rank | #12 of 24 |
| National percentile | 52.7 |
| National band | MIDDLE_50_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $117,033 |
| Year-over-year home value change | 6.3% |
| Month-over-month home value change | 0.47% |
| Home value to income ratio | 2.59 |
| Median household income | $45,199 |
| Bachelor's degree or higher | 15.3% |
| Civilian unemployment rate | 6.3% |
| Homeownership rate | 52.1% |
| Housing vacancy rate | 10.8% |
| Rent burden 30% or higher | 50.3% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Five Points
Is Five Points one of the best neighborhoods in Toledo?
Five Points has a Best Neighborhoods USA Index of 51.5 and a city ranking of #12 of 24 eligible neighborhoods in Toledo.
How much are homes worth in Five Points?
The current Zillow Home Value Index for Five Points is approximately $117,033.
Are home values rising or falling in Five Points?
Zillow neighborhood values changed 6.3% year over year and 0.47% month over month.
What is the Neighborhood Momentum Score for Five Points?
Five Points has a Neighborhood Momentum Score of 88.9. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Five Points?
The NDS-derived neighborhood median household income is approximately $45,199.
How affordable is Five Points relative to household income?
The current Zillow home-value-to-household-income ratio is 2.59. Price-to-income affordability is a major Value Opportunity input.
Is Five Points primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 52.1%.
What is the unemployment rate in Five Points?
The NDS-derived civilian unemployment rate is approximately 6.3%.
How educated are residents of Five Points?
Approximately 15.3% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Five Points face high rent burden?
Approximately 50.3% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Five Points?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications651
Estimated originations385
Home-purchase applications358
Origination rate59.2%
Home-purchase share55.0%
Average application loan$87,192
Total application loan amount$56,754,301
National application rank#364 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications 4.3% YoY; originations -0.7% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.