44837 — Ashland County, Ohio Market Snapshot
Housing market data for zip code 44837 in Ashland County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$202,500
Days to Sell
31
Homes Sold
12
Inventory
4
Sale-to-List
96.2%
New Listings
7
Price/SqFt
$128
Pending Sales
10
Conforming Loan Available
Most homebuyers in 44837 can comfortably use conventional financing. The median home price of $202,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
44837's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 44837 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44837 can comfortably use conventional financing. The median home price of $202,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 44837 are set at the county level.
2026 Loan Limits — Ashland County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 44837
To purchase the median home at $202,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,701.
Monthly Payment
$1,701
Income Required
$72,921
Principal & Interest
$1,248/mo
Down Payment (5%)
$10,125
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 44837.
Estimated Monthly Payment
$1,403
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